**Are the adverbs and adjectives correct?

**Are there any other adverbs or adjectives i missed?
**The adverbs are surronded by <> and the adjectives are surronded by (). **The second paragraph is the second part of the assingment, are than any grammar errors in it, and does it make since?
**Thank you in advance for anyone who helps me.

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?

I <personally> have had a bad experience with (credit) cards. I did not use my credit card <responsibly> after I moved out of my foster parent’s house. I started using my card for too (much) household items I did <not> need. After they cut my hours back at work it was <very> (hard) to make the (minimum) payments on my card. I ended paying the credit card company off two years later. I <currently> only have (one) credit card for emergency use only.

The most effective way to determine if a word is an adjective or an adverb is to look at the word it modifies. If the word modifies a noun (person, place, or thing) than the word is has to be an adjective. If the word modifies a verb (something you do) than the word is a adverb. An easy way to tell is adverbs usually end in “ly” if unsure of which word it modifies.

You had a good start. But I found more adjectives and adverbs and marked them.

I <personally> have had a (bad) experience with (credit) cards. I did <not> use my credit card <responsibly> after I moved out of my (foster) parent’s house. I started using my card for <too> (many) household items I did <not> need. After they cut my hours <back> at work it was <very> (hard) to make the (minimum) payments on my card. I ended paying the credit card company <off> (two) years <later>. I <currently> only have (one) credit card for (emergency) use <only>.

Add to your second paragraph that adverbs also modify adjectives and other adverbs.

Thank you very much.

Additional adjectives:

bad
credit
foster
credit
two
emergency (a noun, used to describe "use")

Additional adverbs:
not
too
later
only
only

["much" should be "many" - it's still an adjective.]

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

The most effective way to determine if a word is an adjective or an adverb is to look at the word it modifies. If the word modifies a noun (person, place, or thing), then the word is<~~delete has to be an adjective. If the word modifies a verb (something you do), then the word is a adverb. An easy way to tell is that adverbs usually end in “ly” if subject and verb are missing here unsure of which word it modifies.

In the provided paragraph, the adverbs are correctly surrounded by <> and the adjectives are correctly surrounded by (). It seems that you have included at least five adverbs and five adjectives in your description. However, I'll go through the paragraph to check for any errors or improvements:

"I <personally> have had a bad experience with (credit) cards. I did not use my credit card <responsibly> after I moved out of my foster parent’s house. I started using my card for too (much) household items I did <not> need. After they cut my hours back at work, it was <very> (hard) to make the (minimum) payments on my card. I ended up paying the credit card company off two years later. I <currently> only have (one) credit card for emergency use only."

In this paragraph, there are a few grammatical errors and improvements that can be made:

1. In the sentence "I did not use my credit card <responsibly>," the adverb "responsibly" should be replaced with the adjective "responsible" since it's describing the way you used the credit card.

2. In the sentence "I started using my card for too (much) household items," the adverb "too" is correctly placed, but the adjective "much" should be replaced with the adverb "muchly" to modify the verb "using."

3. In the sentence "After they cut my hours back at work, it was <very> (hard) to make the (minimum) payments on my card," the adverb "very" is correctly used, but the adjective "hard" should be replaced with the adverb "hardly" to modify the verb "make."

After making these improvements, the paragraph would look like this:

"I <personally> have had a bad experience with (credit) cards. I did not use my credit card <responsibly> after I moved out of my foster parent’s house. I started using my card for (too) household items I did <not> need. After they cut my hours back at work, it was <very> (hardly) to make the (minimum) payments on my card. I ended up paying the credit card company off two years later. I <currently> only have (one) credit card for emergency use only."

Regarding your question about determining whether a word is an adjective or an adverb, one effective way is to look at the word it modifies. If the word is modifying a noun, then it is likely an adjective. If the word is modifying a verb, then it is likely an adverb. Adverbs often end in "ly," but not all adjectives end in "ly." Therefore, it is crucial to consider the word's function in the sentence to determine its part of speech accurately.