I have a pain just below my belly button, it started today and hurts when i move or bend down. what could it be?

Hernia?: Most likely, it is a muscle tear or ligament tear of the abdominal wall. If it does not bulge out, only occurs with movement, then it is likely a muscle tear/ligament tear of the abdominal wall. If it bulges out, can't be reduced, or pain increases, it needs to be immediately worked up by a doctor. Otherwise, i'd follow up with your doctor in a few days if it doesn't improve by then.