Again, with these two words the main difference is grammatical, although they’re pronounced slightly differently. Usually, affect is a verb and effectis a noun, and they’re used when talking about the results or consequences of particular actions.
- I’m worried that your lazy habits will affect your studies (your lazy habits will have a bad effect on your studies).
- Before you start an argument with your boss, consider the effects of your actions (before you start an argument, consider how your actions will affect the situation).