I hear you Bob!
When it comes to grammar, I suck! I type how I think so there is no real structure behind it. Spelling mistakes with me are common since I have never understood the whys and wheres. English is so convoluted that words can be spedded from Latin, Spanish, French, Greek, Germanic or phonetic roots.
After having said that, the misuse of words (not a misspelling but using the worng word) always makes me stop and reread the sentence to make sure what the writer meant.
There, Their, They're
Here, Hear
Affect, Effect.
There = A place that's not here
Their = Belonging to them
They're = A contraction of the two words "They are"
Here = (noun) A place that's not there
Hear = (Verb) The act of recognizing/reacting to a sound.
Affect is most commonly used as a verb
effect is most commonly used as a noun
Something
affects you or others.
You feel something's
effects
Even when these two words are "switched" they always mean different things. "Affect savings" means to have an impact on money. "Effect savings" means an action to create more income or positively impact savings.
You can effect change by taking actions which will have a possitive effect. This will affect many people.
But now I', getting nit-picky.
See ya
Tony