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.