Ended up finding it at a library. It’s called Stung by Bethany Wiggins.
STUNG by Bethany Wiggins starts off with Fiona Tarsis waking up not
knowing how she got in her bed. She finds a mark on her hand not
knowing what it is but knowing she must hide it. She also notices that
her body has matured. And as she looks around her house, everything is
destroyed and dull, as if no one had lived there for ages. She doesn't
see her mom, dad or siblings and can't remember where they went and
why they would leave her. She looks around, and the neighborhood is
Fiona meets a girl name Arrin who takes her underground through the
tunnels and takes care of her. Arrin also gives her advice on how to
survive; she cuts Fiona's hair, and tells her never reveal that she is
So it is post apocalyptic, she gets help from people she meets underground, and they teach her to survive, so she can look for her brother.
I cant find any reference to Honey as Money, but the societal collapse was caused by the collapse of the Honey Bees population (Plants cant be pollinated) and The fix by the government made it worse. So due to the scarcity of Bees it makes sense Honey is very valuable and could be the new form of currency.
Its a YA book and does sound interesting. and is followed by a sequel called "Cured"