The Buzz

Here’s what’s really buzzing on Miss Money Bee today. We’ll help you keep your hive buzzing along so you can reach your goals and take the sting out of life’s financial challenges.

Time to Start Planning for Christmas 2018! (No, We’re Not Kidding)
Now that the holidays are over, take these steps to start budgeting and saving for Christmas 2018. Start now to avoid the dreaded holiday debt hangover!
Following the devastating flood of Hurricane Harvey, we explain how to help Houston flood victims
How To Help Houston After Harvey
After the devastating floods following Hurricane Harvey's Category 4 landfall in Texas, we explain how to help Houston flood victims while avoiding scams.
Tired of living paycheck to paycheck? Adopt creative ways to turn your finances around…

By April Lewis-Parks Being forced to rely on your next payday to roll around before you can pay your electric bill or student loan can be stressful. However, if you frequently live paycheck-to-paycheck, you’re not alone. A recent study conducted by CareerBuilder.com revealed that nearly 40 percent of Americans have to wait on each paycheck […]

33 Ways to Save at the Grocery Store

Are food prices getting to you? Unlike some expenses that you might be able to cut down on or eliminate, food is something that you’re going to have to buy unless you’re growing it yourself. Now you don’t have to lose your shirt at the checkout line. Here are 33 ways to save at the […]

Deceptive money habits that can haunt you

by April Lewis-Parks You’re a frugal person and recognize that paying your bills and keeping balances low is the best way to save money in the end. You may even have a few savvy spending strategies that are guaranteed to keep more money in your purse. For example, cancelling your gym membership and only buying […]

Shop Smart, Shop Now for the Holidays

by April Lewis-Parks OK, I realize that the blazing July sun is probably beating down on you, and that Christmas and the winter holidays seem very far away, but we urge you to start thinking about the 2012 Holiday season. You can save a ton of money and cut down on your January bills by […]

How to save on Independence Day
Ways to Save on Independence Day
You want to celebrate in style, but you don't want your budget to go out with a bang. We have several ways to save on Independence Day for party planning.
Health care mandate is designed to cut medical bills
Supreme Court Upholds Health Care Mandate
In a landmark decision, the Supreme Court has upheld the health care mandate delivered by the Affordable Care Act. What does it mean for you?
Are You Relying Too Much on Credit Cards?

By April Lewis-Parks Credit cards have several benefits that can help you better yourself. If used responsibly, they allow you to build a solid credit score, get out of a tight financial jam and enjoy spending perks, such as rewards and discounts. But if you fail to abide by the rule of moderation, you could […]

Don’t go into debt during vacation

By April Lewis-Parks The week before vacation you can already feel the summer breeze and you may even be packed and ready to go. But before you say “Sayonara!” to work for a few days, there is still one chore you have to take care of: creating your vacation budget. The words “vacation” and “budget” […]

Organic vs. Conventional Fruits and Vegetables – When is Spending More Worth the Money…

By Sijun Li The frugal savvy experts at Miss Money Bee are all about helping our readers save money –now and in the long run. Not too many people think about the potential health risks of buying groceries.  After all, fruits and vegetable are beneficial to our lifestyles, right? While fresh produce certainly beats out […]

Getting Rid of Student Loans – The Easy Way!

By Sijun Li Although there’s no magical “easy” button to press when dealing with student debt, there are some great loan forgiveness options available to struggling borrowers. Here’s one interesting way of paying off those student loans: Move to Niagara Falls! That’s right. Lawmakers in Niagara Falls, N.Y. have made a proposition to pay off […]

Are your finances on autopilot?

by April Lewis-Parks Most people operate under the mindset, “If it isn’t broke, don’t fix it.” This can be a great way to set a routine that works for you and keep to a schedule that helps you avoid forgetting about responsibilities, but when you apply this mindset to your finances, you may be missing […]

What to get dear ol’ dad? We have some suggestions!

By Sijun Li Father’s Day is coming up! On Sunday, June 17, be sure to show your dad the love and appreciation he deserves by getting something he really wants. After all, he IS the guy who taught you how to ride a bike, who took you out for ice cream and who bought you […]

Extreme Couponing: K-Cup Edition

by Sijun Li By now, you’ve probably heard of those awesome little coffee cups known as the K-Cup. These single-serving coffee cups are easy and convenient to use – and there’s no mess to clean up! Who has the time to measure and grind up coffee beans in the morning when they’re half asleep? While […]

Five ways to save on cell phone plans

By Sijun Li Face time. Status updates. Tweets. Games. Emails. Pictures. Videos. Calculator. Credit card swipes. GPS. Music player. Online Shopping. Personal assistant. The list goes on and on and on. What can’t you do on your cell phone these days? As technology advances, so do the endless possibilities of owning a cellular device. Having […]

Save money after moving into a new home

By April Lewis-Parks So you finally found a place to call home! You did your research, got a loan, and now have your perfect home. New homeowners face a number of expenses as soon as they move into their new space. From paying for repairs to buying furniture, costs can add up pretty quickly. This […]

Budgeting during summer vacation

By Sijun Li It’s that time of the year again – Summer! The kids are out of school, the sun is out bright and early, and it’s time to take that much needed vacation. But in this economy, it’s important to budget for everything. Whether it be a night out or a week-long getaway, knowing […]

Combine finances to keep the peace
Are you prepared to combine finances with your partner?
The process to combine finances after marriage can be a smooth ride or the start of a rocky road to divorce if you're not careful and on the same page.
Frugal ways to get ready for summer
Is Your Purse Ready for Summer?
As you get ready for summer, keep these three key financial budget-drainers in mind so you can prepare your budget to have debt-free fun in the sun.
Medical bills can cripple your finances
4 Tips to Save Money on Medical Bills
Medical debt has a way of throwing even the most stable budget into a tailspin. These 4 tips will help minimize medical bills to avoid collections.
Set Smart Money Goals During Financial Literacy Month

Spring cleaning isn’t just for your house. You can also spend some time spring cleaning your finances. April is Financial Literacy Month, a great chance for you to evaluate your current financial situation and set some new financial goals. Maybe you want to finally pay off your credit card debt, or start saving for your […]

7 Year-End Tax Tips: How You Can Save Money

By Courtney Hall Even though you usually think of April has tax time, the reality is you can prepare and save all year long. Wouldn’t it be nice to worry less about the amount you’re going to pay to dear old Uncle Sam! 2011 is coming to an end and you need to take a […]

2012 Money Resolutions: Cut Costs and Dissolve Debt

Start 2012 off on the right foot with a clear and concise financial plan. With holiday spending over, consumers must face the reality of what was spent.  The stress of holiday overspending often leads to depression and anxiety. However, it is not how much a person owes, but how the debt affects them and what […]

Panic Sets in and People Spend on Impulse… The Countdown has Begun!

By April Lewis-Parks What do you have left on your shopping list?  A survey from the National Retail Federation found that most people still had half of their shopping to do, and 37% hadn’t even started. Less than 10% were finished, so it’s safe to say many of us are procrastinators. Debt problems can be […]

Last minute Christmas Gifts that won't break the bank
4 Days until Christmas: 4 Last Minute Christmas Gifts for $10 or Less
There may be only 4 days left before Christmas, but these last minute Christmas gifts for less than $10 will be a hit without busting your budget.
Did you say rebate? How to use great rebate deals.

By Barbara Braunstein, a guest blogger With the Holiday season approaching and retailers and manufacturers fighting for your dollars, many will offer rebates. Rebates are a great way to buy virtually anything for less.  Before you spend your hard earned money counting on the rebate remember to make sure that you will reap the rebate […]

Top 3 Tips to Avoid Credit Card Debt During the Holidays

By April Lewis-Parks There are few things better during the holidays than finding the perfect gift for someone you care about, but sometimes the relief that comes with scouting out the right present for your new mother-in-law or a great accessory for a close friend can come with a heftier price tag that you planned. […]

Thanksgiving Decorating on a Dime

Decorations and family activities help make Thanksgiving it a memorable day.  Decorating for the holidays can run up a hefty bill, but this year it doesn’t have to. Your décor can be traditional and fun all while remaining budget friendly. Decorating on a Dime Tips: Search Around your House: Buy scented candles and then hunt […]

Spending to save: Find the best Black Friday deals

By April Lewis-Parks Black Friday is almost upon us and you may already be finalizing your holiday gift list to get an early jump on your shopping. Braving the crowds on Black Friday can be a great, albeit tiresome way, to save money during the holiday season. But it’s no secret that dragging yourself out […]

How to Avoid Identity Theft During Tax Season

  By Tom Vastardis Consumers should protect themselves against online identity theft and other scams that increase during and linger after the filing season. Such scams may appropriate the name, logo, or other appurtenances of the IRS or U.S. Department of the Treasury to mislead taxpayers into believing the communication is legitimate.  Scams involving the impersonation […]

Valentine’s Day, To Bee or Not to Bee… Costly

By April Lewis-Parks  This Valentine’s Day, couples are once again eager to shower their loved ones with special gifts.  According to the National Retail Federation’s 2011 Valentine’s Day Consumer Intentions and Actions Survey, the average person will spend $116.21 on traditional Valentine’s Day merchandise this year, up 12.8 percent over last year’s $103.00.  As one […]

Be smart about using your credit cards
7 Expenses You Should Never Put On A Credit Card
Some expenses that fall outside of your regular budget should never be put on a credit card unless you want to wind up with serious high-interest debt.
Wedding planning that works for your budget
Money Smart Wedding Planning
A summer wedding can be a magical moment that you'll always treasure, but you have to be careful with your wedding planning strategy to avoid serious debt.
Getting engaged on Valentine's Day
How To Avoid Wedding Bills & Have Wedded Bliss
Valentine's Day is one of the most popular times to pop the question, but an extravagant proposal and ceremony could lead to serious wedding bills.
Managing Personal Finances in 2011

By April Lewis-Parks It is the end of a decade and with a New Year comes new possibilities to forge a solid personal finance plan.  Incorporating positive change to get out of debt and live a less stressful life is the goal of many Americans as we tread into the second decade of the millennium. […]

Don’t be Afraid to Negotiate with Your Creditor

 By April Lewis-Parks Millions of Americans are becoming anxious because they realize how important it is to reduce their credit card debt.  Some people who are struggling panic and stop making payments because they’re not sure of what else to do – they need to pay their mortgage, car payment or other payments and the […]

How to Prevent the Holiday Spending Spree from Impacting Your 2011 Budget

By April Lewis-Parks You threw frugality out the window for a couple months but now the spending is over and reality is setting in. Credit card bills are coming due and you must pay them off while setting up your New Year Budget. Hopefully you put enough money away to eliminate your debt, unlike over […]

Financial Planning Dos & Don’ts

 By Tom Vastardis During these uncertain economic times, financial planning has become a challenge. Here are a few financial planning suggestions that can add to your peace of mind about financial matters and simplify your life:   At least once a year, write down your investment goals and what strategy you will use to reach them. […]

Beware of Gift Card Fees

By Kathryn Katz Not everyone enjoys shopping – the crowds, the time it takes to check out and the hassle of trying to find the perfect gift for a variety of people with differing tastes. That’s why gift cards are so convenient. There are two types of gift cards. The first is the retail gift […]

Avoid These Holiday Bloopers!

By April Lewis-Parks  To avoid making the holiday blooper list treat these gifts as if they were the equivalent to your Aunts tuna surprise pie – in other words, stay away!  Destructive Toys: Sure that water gun that squirts a laser of water sounds cool. But what do you think the kid you’re giving it […]

5 Ways to Beat the Holiday Financial Heat

 By Kathryn Katz Your bank account is nearly empty, you have bills to pay, and it’s the holiday season. Your head is thumping from the stress and you still have gifts to buy and a holiday party to plan for in just a couple weeks. Americans all over the country are facing the same dismal […]

Holiday Budgeting: Making Tough Choices in a Recovering Economy

By April Lewis-Parks The holiday season is officially here and you might be tempted to pull out the credit cards and charge this year’s holiday gifts, but we have some tips to help you get the most out of your holiday shopping: Create a Holiday Budget – Don’t start your holiday shopping until you know how much […]

Are you a social shopaholic?
Are You a Social Shopaholic?
If you're always on your social media account and you're getting bombarded by offers from retailers you may be at risk of becoming a social shopaholic.
4 Frugal Tips for The Thanksgiving Holiday

By: Samantha Savory The holiday season is officially here! Thanksgiving is exactly nine days away, Black Friday is exactly 10 days away and Christmas is a little more than six weeks away! So, that being said and with the intention of helping you prepare for a fun and frugal Thanksgiving holiday, I have compiled a short list […]

Shopping Pitfalls to Avoid & Tips to Make the Holidays a Breeze

By April Lewis-Parks The start of November whispers “the holiday’s are almost upon us…” while retailers scream “Start Shopping!”  For many stores the holiday season has already begun.  I went into a large chain retailer two weeks before Halloween and they were already decked out for Christmas. Trees were blazing with colored lights, plastic carolers […]

6 Easy Credit Tips For The Holiday Shopping Season

By: Samantha Savory 1. Know Your Credit Limits Don’t get sidetracked by that amazing deal on a 42’ flat screen TV during your holiday shopping.  Why you ask?  When you check out at the register and are declined because you don’t have enough credit left on your card, you may find yourself feeling financially irresponsible […]

Make sure your 401k plan is on track
Is Your 401k Plan Costing You Money?
Planned changes to service charges on 401k plans could end up costing you money if you don't understand how the changes impact your investment.
Teach the Next Generation How To Stay in the Black

By April Lewis-Parks Give a Lasting Holiday Gift Break the Holiday Overspending Cycle I know Halloween is just  behind us, but thousands of Americans overspend during the holiday season adding to existing debt loads, so I wanted to chime in early about how to avoid the unfortunate consequences of spending beyond your means. I want […]

Presto chango credit card tricks
Top Five Fightening Credit Card Tricks that Last Beyond Halloween!
Don't let your creditors fool you into frightening debt problems! Avoid these credit card tricks in order to treat yourself to a better credit outlook.
Last Minute Halloween Shopping

Halloween is a few days away. Do you have your Halloween costume? If not, you don’t have to panic. You can still get your Halloween shopping done before the witching hour.  However, before you rush out to the local Halloween store, get a plan together. Online Shopping You can still order your Halloween costume online. […]

Barter Your Way to Financial Savings

By Kathryn Katz Remember the barter system? You probably learned about it in school. Well guess what – it’s back. If you need your car worked on or maybe the inside of your house painted ask yourself what you could trade or what services you could provide in order to get those things done. And […]

Playing the money blame game kills relationships
Marriage and the Money Blame Game
When financial stress hits you as a couple, it's easy to start playing the money blame game and pointing fingers at who's really causing your debt problems.
AmEx next for Department of Justice suit
Is the Department of Justice Trying to Save You Money?
The Department of Justice is pursuing a suit against American Express for charging the merchant highest interchange fees in the credit card industry.
What Part of Your Finances Should You Automate?

By Kathryn Katz From cable bills, to utility, to mortgage and school loans – you can automate it all and let other people do your bill paying for you. But is that really the wise thing to do? Should you allow your billers access to your accounts, the privilege of taking your hard earned money […]

Trick or Treat Spending on the Rise, Frightening Frugal Way to Have Boo-tiful Halloween

Happy autumn everyone! Now that back-to-school shopping has subsided, people start planning for the holiday season. Some reports show that Halloween is now the second most expensive holiday after Christmas but most people overlook the holiday when it comes to budgeting for expenses. As families feel the weight of the US economy more and more, […]

Money Won’t Bring Happiness Unless You’re Spending it Correctly

By Kathryn Katz So you think a new car, a few pairs of new shoes or a top of the line flat screen will make you happy? Chances are they will, but not for very long. Most people receive that initial high when they purchase something expensive but it wears off and they soon find […]

More People Falling into Business Credit Card Debt Traps

By April Lewis-Parks This week, Senator Charles Schumer made headlines again after he asked the Federal Reserve to provide more protection for consumers against business card issuers. The Credit Card Accountability, Responsibility and Disclosure Act that went into full effect on August 22 does not affect business card companies. The Associated Press reports that Schumer wrote a […]

6 Tips for Dealing with Debt Collectors

By Kathryn Katz When you have a lot of debt, you can find yourself at breaking point when debt collectors are practically knocking at your door, calling your phone non-stop, and demanding that your pay their bills. However, there’s a right way and wrong way to handle a debt collector. We’re going to dive deep […]

Going into Debt After a Cancer Diagnosis
If you went into debt after a cancer diagnosis, you’re not alone. Learn about debt relief options so you can regain control and focus on your health.
Americans are Already Strapped for Cash Ahead the Holidays
Holiday spending often turns into credit card debt. These tips can help you minimize debt if you’re already strapped for cash ahead of the holidays.
6 Mistakes To Avoid When Teaching Your Kids About Money

‘Lead by example’ couldn’t be a truer saying when it comes to teaching children about personal finance. But, as many of these great quotes, it’s much easier said than done.

Instant access to credit cards, the ability to finance pretty much everything, and the never-ending hamster wheel of “keeping up with the Joneses” can make being a role model really challenging. But ignoring it isn’t an option either if you want to raise financially responsible adults. After all, debt can destroy a person’s entire adulthood, and it can quite literally happen in the blink of an eye…

The Average Age of a Child Identity Theft Victim is 12 Years Old

Identity thieves are always on the prowl. And when it comes to identity theft, children are not off limits. What are the telltale signs that your child’s identity may have been stolen and what can you do to fix and reclaim it? Read on for the details.

What’s Your Personal Saving Rate?
The personal saving rate hit 6.8% in June, but are Americans saving equally? We look at personal savings and offer tips on improving your saving strategy.
Reducing the High Cost of Credit Card Debt
Consumers pay over $100 billion every year on credit card interest charges and fees. We explain how to minimize the high cost of credit card debt.
Which State Has the Highest Student Loan Debt?
A new study from WalletHub explores which state has the highest student loan debt and which borrowers have the biggest student debt burden.
What is Economic Abuse?
Economic abuse affects millions of Americans annually. We explain what economic abuse is and give examples that reveal the extent of this abuse in the US.
Are You Afraid of Outliving Your Retirement Savings?
Many Americans fear they won’t have enough money to live comfortably during retirement. We explain how avoid outliving your retirement savings.
Best Way to Pay Off Credit Card Debt – Snowball, Avalanche, or Snowflake?
Credit card debt in the U.S. now topples over $1 trillion and the average credit card per household is over $8,000. While many of us endeavor to pay back our debt, some of us gain much more success than others. Why is that? Is there a correlation between debt reduction strategy and personality?
Always consider cost before opening credit cards with annual fees
Are Gas Cards Still a Good Value in 2018?
As gas prices increase and interest rates on gas cards rise, is it still wise to use a co-branded gas credit card to fill up? Some experts say no.
How Much Should You Have in Emergency Savings?
Emergency savings is essential to cover unexpected expenses like home and car repairs, as well as to give you a financial safety net in case you lose your job or can’t work due to a medical emergency. But how much should you have in emergency savings and how much do average Americans actually save?
74% of Americans are Getting Married with Debt

A survey of 1,000 couples set to get married in the next 12 months found 3 out of 4 couples will go into debt to tie the knot. And most, 61 percent, say they will use credit cards to pay. But is starting married life saddled with debt a good idea? Here’s what the wedding experts at the Knot say and what Consolidated Credit’s financial expert says. Here are some tips on what you can do to cut cost if you’re getting hitched.

10 Money-Saving Summer Budget Tips
It’s the official start of summer 2018, which makes it the perfect time to set a summer budget so you can avoid credit card debt and achieve your goals. Consolidated Credit offers 10 money-saving tips.
10 Tips To Help Your Teens Become Financially Independent
A new survey finds that only half of teens see achieving financial independence from parents as a key financial goal for the future. We look at the survey stats and offer ten key tips for helping teens learn ow to become financially independent.