When I was in college, one of my company instructors told us students that one of the greatest hurdles to making money was procrastination.
I back up my blogs using a free plugin WP DB Backup. I can always restore my blog to the last settings if anything happens. I use WP Security Scan plugin that is free to scan my site regularly and WordPress Firewall to block requests that are suspicious-looking to fix hacked wordpress.
Also, don't make the mistake of believing that your web host will have your back so far as WordPress backups go. Not always. It has been my experience that the company may or may not be doing proper backups while they say that they do. Why take that kind of browse around here chance?
While it's an odd term, it represents a task: creating a WordPress backup of your website to work on offline, or in the event something should go amiss. We are not only see it here being obsessive-compulsive here: servers go down every day, despite their claims of 99.9% uptime, and if you've had this happen to you, you understand the panic is it can cause.
WordPress is one of the most popular platforms for websites and sites. While WordPress is pretty secure from the box, there are always going to be people who want to create trouble by click to investigate finding a way to crack into accounts or sites to cause damage or inject hidden spammy links. That's why it's important to be certain that your WordPress installation is as safe as possible.
Utilizing a plugin for WordPress security just makes sense. Backups need to be performed on a regular basis. Do not become a victim as a result of not being proactive about your own site!