Well, the good news is that Americans are getting back on track with their credit-card payments - the number of overdue payments dropped to an 11-year low. On the flip side, more people are late paying their home-equity loans.

What to do? How do you manage your money when you don't have any? Well, there's one to ask the experts. And you can ask them for free today and tomorrow at Miami Financial Planning Days. Dozens of Certified Financial Planners and other financial experts are donating their time for this annual event, where you can get advice on just about anything that has to do with money - from managing your debt and fixing your credit rating to dealing with losing a job or planning for retirement.

You can stop by this afternoon between 4 p.m. and 7 p.m., or tomorrow morning between 11 a.m. and 2 p.m., at the Miami Dade College Wolfson Campus. Here's all the info.