Ok, no problem. Have you got iTunes on a computer at home? If not I'd install it. It's not that I don't trust the cloud backups, I'm just old fashioned and like a local backup.
How to back up an iPhone using iTunes
There are two main ways to make a backup of your iPhone. The first is through iTunes. All you need to do is connect your iPhone to the computer that you normally sync with using the USB cable, open up iTunes and then wait for your device to pop up in iTunes.
Once the phone is connected and you can "see it" In the 'Summary' field (which should be the default landing page when you click on your device), click Back Up Now. It might take a while, but when it's finished, you'll have a complete backup of your iPhone on the computer. It is well worth using the 'Encrypt backup' option because this will also save your passwords and other settings which aren't saved otherwise. You'll need to enter a password to encrypt the backup: don't forget this!
Now, if you happen to drop your iPhone down the loo tomorrow, or you lose it on the way home, you'll still have all of the data that was stored on that iPhone stored on your computer. You'll be able to plug in a new iPhone and restore all of that data onto the new device.
"Restoring" your new phone is easy, once you have done the backup. Switch the new phone on and folllow on screen instructions, at the right point just select "Restore from backup" or similar. Again follow instructions to plug into iTunes and copy over data.
If you have problems/get stuck or are just worried about it, drop me a PM and I can walk you through it online if you want.
This vid is ok, except at about 55 seconds he switches backup from iCloud to This Computer, you don't want to do that step, leave it backing up to the cloud by default. You just do the next step of clicking the "Backup Now" button.