I don't need help getting the question answered, just explained? help anybody?

Describe your experience with credit and credit cards in a brief paragraph using at least five adverbs and five adjectives in your description. Bold the adverbs and underline the adjectives. What is the most effective way to determine whether a word is an adjective or an adverb?

In my personal experience with credit and credit cards, **responsibly** managing my finances has been **crucial**. Understanding terms and conditions is **vital** to avoid **unnecessary** fees or interest charges. It is **important** to **regularly** monitor my credit score to ensure **accurate** and **up-to-date** information. By **carefully** planning and **effectively** budgeting, I have been able to **successfully** build a positive credit history.

The most effective way to determine whether a word is an adjective or an adverb is to identify its role in the sentence. If the word is modifying a noun or pronoun, it is likely an adjective. On the other hand, if the word is modifying a verb, adjective, or another adverb, it is likely an adverb. Additionally, some adverbs can be identified by their '-ly' suffix, although this is not always the case. To be sure, it is always helpful to consult a trusted grammar resource or consult a language expert.