Cobian Backup http://www.cobiansoft.com/cobianbackup.htm
Cost = Free
Cobian Backup gives you all the power of a paid backup solution for free. This program has an easy layout, easy to configure and gives you so many options for backup type, when you want to backup, what folders to include, password and encrypted backup, easy to create multiple backups in the one program and very reliable.
Unlike windows backups you have direct access to the files without having to run any programs to recover your files should the worst happen.
This is why I recommend Cobian Backup paired with an external hard drive to keep your data safe.