I made a black and white under painting and than painted over it with some color, and this is where I'm at now
What do I do next?
What do you do next? What do you want to do next is the real question. What was your goal with this piece?
Anyways, I will say your lighting is very inconsistent, you have shadows and highlights all over the place.
Check your proportions first. The head is too small. For an upright figure the height of the head should be same as the distance from chin to nipples, which again should be same as the distance from nipples to bellybutton.