Luckily, our phones already back up most of our photos, contacts, and messages to either iCloud or Google Drive. But, if you're doing a lot of work on the desktop in services such as Microsoft Office, you'll want to remember to always back up your files.
With all the cloud services available today, there's no reason to have all of your important stuff stored only in one place. Google Drive, for example, gets you a whole terabyte of storage for just $10 per month.