TECH HELP?

  1. You guys, I am pretty hopeless when it comes to technology.
    Example: I just got a smartphone last year. 2015. Not kidding.
  2. I "set up" iCloud on my phone. I guess? I mean, I must have since it keeps telling me I'm "out of iCloud space".
  3. So here are my questions:
  4. 1) Do you all pay for iCloud storage?
    If so, why? What are the benefits?
  5. 2) Is it safe?
    Does that make me sound old? Probably.
  6. I'm not so concerned about the phone, really. But I just got a MacBook Air and it's asking me if I want to set up/pay for iCloud and I don't know what to do.
  7. Help?