With lots of easy options, there's no excuse for not backing up your data. Here are the best ways to do it.

If you like, you can download each service and see which works best for you—but I'm going with Mozy. It offers 2GB of storage for free; if you need more space than that, go with its unlimited plan, which costs $60 a year. Carbonite offers a 15-day trial for its unlimited plan, which is $50 a year. Each service keeps your data private and secret using industrial-grade encryption.

But whichever you choose, choose something. In an era of cheap hard drives, you no longer have any excuses for being a backup slacker; at most, you'll spend $250 on your hard drive, the software, and the online service, and you'll need about 15 minutes to set everything up. Do it now—buy the drive, install Mozy, or do both, and let the backups begin. The world will never be in danger of losing Underwrite Me again.