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? Are these correct?

My first(adj)experience with a credit card was a disaster. I learned quickly(adv) about debt. I did not realize then how drastically (adv)the credit card debt could affect my future. I was completly(adv) unaware of the damage I was doing to myself. I am still working hard(adj) on paying back the total balance of what was a five thousand dollar(adj) limit. If I was not made aware of the effects of this when I went to get a loan shortly(adv)after I maxed out the card it could of ended horribly(adv) resulting in poor(adj)credit. I am grateful that being that young(adj) I was taught a lesson. What bothers me the most about the situation is that I have nothing to show for those frivilous(adj) purchases. This was a costly(adv) mistake that I do not plan on repeating.

My first(adj)experience with a credit card was a disaster. I learned quickly(adv) about debt. I did not realize then how drastically (adv)the credit card debt could affect my future. I was completly(adv) unaware of the damage I was doing to myself. I am still working hard(adj) on paying back the total balance of what was a five-thousand-dollar(adj) limit. If I had not been made aware of the effects of this when I went to get a loan shortly(adv)after I maxed out the card it could have ended horribly(adv) resulting in poor(adj)credit. I am grateful that being that young(adj) I was taught a lesson. What bothers me the most about the situation is that I have nothing to show for those frivilous(adj) purchases. This was a costly(adv) mistake that I do not plan on repeating.

The two underlined sections have errors in adj and adv identification.

The bold sections indicate where I've made corrections in basic grammar.

Let me know if you have questions.

My first experience with a credit card was a disaster. I learned quickly about debt. I did not realize then how drastically the credit card debt could affect my future. I was completely unaware of the damage I was doing to myself. I am still working hard on paying back the total balance of what was a five thousand dollar limit. If I was not made aware of the effects of this when I went to get a loan shortly after I maxed out the card it could have ended horribly resulting in poor credit. I am grateful that being that young I was taught a lesson. What bothers me the most about the situation is that I have nothing to show for those frivolous purchases. This was a mistake that I do not plan on repeating.

To determine whether a word is an adjective or an adverb, you need to consider the context and the role the word plays in the sentence. Adjectives modify nouns or pronouns and describe their qualities. In the given description, the adjectives are "first," "total," "five thousand dollar," "poor," "young," "frivolous," and "costly." They all describe or provide more information about the noun or pronoun they are modifying.

On the other hand, adverbs modify verbs, adjectives, or other adverbs, and they describe how, when, where, why, or to what extent something is done. In the given description, the adverbs are "quickly," "drastically," "completely," "shortly," and "horribly." They all provide more information about the action or describe the manner in which something is done.

Yes, your identification of the adjectives and adverbs in the paragraph is correct.