I didn't know people had problems with affects/effects until I came to Canada. I think it's a North American pronunciation thing. When they sound almost the same, it's hard to tell them apart, even if they're used correctly. The effect is simple: Your pronunciation affects your understanding of the two words.
E-nun-ci-ate
And everything will be fine.
Also, you can remember "the" (e)(e) "effect".
Also, you say "affectation" to make the noun not "effectation", because "effect" is already a noun.
Except when it's a verb: "He effected the complete evacuation of the building"
MWAHAHAHA...
(I need to go to bed)