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?

Most of my friends got credit cards at a young age. We was about eighteen year of age. I notice how it was easy for them to purchase items now and pay later. I never quite understand the point of handlng a credit card. I always thought credit cards was just another bill to pay on. Now that I'm older I'm happier than ever I never got one. As time goes on I hear a lot of information from my friend about being in debt. Honestly, I have no past and current experience with credit cards. I have never owned a credit card. I do not know what my credit score is because it usually cost money to get a credit check. However, I believe that my credit score is low, because of hospital bills. As of right now I am in the process of building my credit by paying rent.

Adjectives describe or modify nouns and pronouns. They answer one of these question. Which? What kind of? How many?

Adverbs describe or modify verbs, adjectives, and other adverbs. They answer one of these questions. When? Where? How? To what extent?

In your first sentence, credit is an adjective because it tells what kind of card. Young is an adjective because it tells which age.

I'm sure you can find other adjectives.

The first two adverbs are now and later. Now modifies purchase; later modifies pay. Both tell when.

If you post the other adjectives and adverbs you find, we'll be glad to check them.

Personal Finance. Why is it important to go through these steps when you are planning on making a large purchase?

Most of my friends got **credit cards** at a young age. We were about **eighteen** years old. I noticed how it was **easily** for them to purchase items now and pay later. I never quite **understood** the point of **handling** a credit card. I always thought credit cards were just another **bill** to pay. Now that I'm older, I'm **happier** than ever I never got one. As time goes on, I hear a lot of information from my friends about being in **debt**. Honestly, I have no **past** and **current** experience with credit cards. I have never owned a credit card. I do not know what my **credit score** is because it usually **costs** money to get a credit check. However, I believe that my credit score is **low**, because of **hospital bills**. As of right now, I am in the process of **building** my credit by paying rent.

The most effective way to determine whether a word is an adjective or an adverb is to consider the word's function in the sentence. Adjectives modify or describe nouns or pronouns, while adverbs modify or describe verbs, adjectives, or other adverbs. Adjectives often answer questions such as "what kind?" or "which one?" and are typically placed before the noun they modify. Adverbs often answer questions such as "how?" or "to what extent?" and are usually placed after the verb, adjective, or adverb they modify. Additionally, many adverbs can also end in -ly, which can help identify them.