Backup, backup, backup!!
Toms Guide has done a great review of five cloud backup providers and unsurprisingly CrashPlan came out on top and it's definitely worth a look.
CrashPlan is a great cloud backup service and it's what we personally use and recommend to clients. For personal or small businesses, unlimited backup storage with CrashPlan equates to about £35/year and you can't beat that for the piece of mind to keep those important photos and documents safe.
Don't wait for international backup day or for a USB stick to die to get reminded to backup; there's no time like the present! :)