Please help me identify the adjectives and adverbs in this: My experiences with credit and credit card started at age 18. I had several credit cards by the time I was in my mid-twenties. I did not realize that I over extended myself until I lost my job. I had to figure out how I was going to pay my rent, car payment and credit cards. It was difficult to fix my credit, after several years I learned how to manage my credit and not over extend myself. After repairing my credit I purchased a home and I keep a minimum amount of credit cards; no matter how many are offered. I give advice on how to maintain and balance debts and finances due to my experiences. I realized it is easy to get credit but hard to repair it. A person can easily go from excellent credit to poor credit based on unfortunate circumstance. I have learned it is important to plan and save.

We will check your work for you. I'll give you what's in the first two sentences, and then it'll be your turn.

adj - credit, several, credit, my
adv - (none)

Remember that adjectives describe nouns and adverbs describe verbs, adjectives, and other adverbs.

Here are the adjectives and adverbs in the given text:

Adjectives:
- several (describing "credit cards")
- difficult (describing the process of fixing credit)
- minimum (describing the amount of credit cards)

Adverbs:
- started (describing how the experiences with credit and credit cards began)
- by (describing the time frame in which several credit cards were obtained)
- not (negating the realization of overextending oneself)
- how (describing the manner in which the credit was managed and not overextended)
- after (describing the time frame in which credit was repaired)
- how (describing the way advice is given on maintaining and balancing debts and finances)
- easily (describing the ease of getting credit)
- based (describing the connection between excellent credit and poor credit)
- unfortunately (describing the circumstance that can lead to poor credit)
- is (describing the importance of planning and saving)

To identify adjectives and adverbs in a text, it helps to understand the function of these parts of speech. Adjectives modify or describe nouns/pronouns, providing more information about them. Adverbs modify or describe verbs, adjectives, or other adverbs, indicating how, when, or where an action takes place.