As a general rule try to keep your data on a separate drive from your system if using a desktop, this will ensure your data is safe if the system fails.  If using a laptop then follow the advice given and buy an external USB drive.  This will ensure your data is more secure.  I use the best of both worlds with my desktop using 2 HD`s and the important data always backed up to an external drive.  The initial outlay is worth it if your drives fail.