“Affect” is a verb, which means “to have an impact on”. You can affect, or be affected by, something.
Example: “The rollercoaster affected me physically, in an unpleasant way.”
“Effect” is usually used as a noun, though it can be used as a verb, too. As a noun, it has a similar meaning to the word “impact.” When it is used as a verb, it is used much like the word “create.”
Example (noun): “The roller coaster had an unpleasant effect on me.”
Example (verb): “I had hoped that the roller coaster would effect a cure for my acrophobia, but it did not.”
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