The document provides 3 keys to managing credit card debt: 1) Don't give in to advertising and only buy what you need, not what companies say you need. 2) Don't give in to peer pressure to buy the latest styles or electronics and instead buy cheaper used or discounted items. 3) Know your financial limits and budget for fixed expenses each month so you don't overspend on credit cards. Following these 3 tips can help control spending and achieve financial independence.