Jennifer and David, parents of two, are almost done with their third week on Suze's pledge.

Jennifer says the first goal—not spending any money for a day—was easy. The second goal—not using credit cards for a week—didn't really faze them. "We never had a problem with using a credit card," David says.

"We can't pay for it today, we don't get it today," Jennifer adds.

The third goal—not eating at a restaurant for a month—has been hard, but they say there are benefits to staying home. There's more time to talk, play games or watch movies as a family.

The experience has taught them just how little they need to live and how much they had been spending unnecessarily, Jennifer says. "We stood back, and we looked at our budget," she says. "We looked to see what we have been doing, and it hasn't been smart."