Hard for us to do anything about heartbleed since it’s server side. Be careful with giving any financial info that was ordinarily protected by SSL encryption (such as bank, shopping, etc) unless you know they’ve taken care of the problem on their end.
I don’t do much of anything financial on line. My Pay Pal is linked to a bank account that has under $500 in it and I plan to keep it that way. I don’t pay bills on line and don’t plan to. My sweetheart keeps urging me to pay and buy on line. I refuse, and pay him to buy things for me on line if necessary.