You do not need to take a headache to save your finance, a giant one, ever be in your pocket. You just need to take few caring thing to secure your finance. It needs to be keep track with intentions on only the things:
1) K update of your digital currency WALLET so update it to 'sync'; mean keep updated.
2) Whenever you 'sync' your wallet try to do this on that Computer which is fully secured with AntiVirus and also not used in those people who mostly use un-secured forums, blogs, play games online/ offline, downloads software without care etc. it will keep safe your finance from Hackers, Fisher and any kind of other losses.
3) After successfully 'synced' your wallet keep into your Passport/ External Drive or any other storage which you could detach from your computer after .
4) Also, not only keep, a disk to save your giant finance but keep, about at-least, one more same External Drive.
5) Keep track your coins', which you are holding, whether are not being swapped (take old one and pay new against them) because of release of new ones and to dead old ones'.
6) At last, If you seems any kind of wrong has been done with, contact coins issuers' developers, you can find them on well known forum (bitcointalk.org). This holds all new and old coins, complete and updated, information which is directly operated by coins issuers' developers.These developers can do something for you, in any case of loss, relating technicals. Otherwise, you loose all your finance.
7) If you cannot save big data into your DRIVES so only same wallet.dat file and keep a text file containing wallet address like readme.txt
This short REAL STORY was actually for the CARE of those People who are new OR have a little knowledge about digital currency which also known as Crypto-Currency.
We think its not enough but least. It should be known by all.
Its a little care,
c-exins.co