Hi Lori. As I said in my original post on this, it's really easy for you to 
back up both ways, so you have an iCloud backup just in case.
That said, not backing up a computer is incredibly high risk. Just as we need 
to back up our phones, we need to be doing regular computer backups as well in 
a way that makes it easy to restore if that becomes necessary.
No, iCloud backups are not a complete backup of your phone as described 
previously.
Jonathan Mosen
Mosen Consulting
Blindness technology eBooks, tutorials and training
http://Mosen.org

On 3/05/2014, at 1:47 pm, Lori Dent <[email protected]> wrote:

> Hi Johnithon  and all,
>  
> Okay, if I decided to  back up everything on my phone through  my computer 
> and iTunes, and what happens if my computer crashes and  burns  then backing 
> everything on my phone to my computer and iTunes was a waste?
>  
> I don't have an exturnal hard drive  to make sure  all my backing up my 
> Iphone  is on the hard drive and on the computer. So then what?
>  
> I thought iCloud backed up and stores everything in ones IPhone.
> . Thanks.
>  
> Lori and the Gipper
> I don't want to lose any of my stuff I have on my iphone.
> 
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