Glad my bad experience has made a few of you get yourself backed up! Thanks for all the sympathy!!
My internal back up failed as well as an external back up drive, I can't believe it!! I didn't put photos on CD's as I print off any that I really want to keep.
Fortunately, I email my Agrimaster files to the accountant every three months, so have only lost half of May and all of June accounts, no biggie.