When I was in college, one of my business instructors told us students that one of the biggest barriers to making money was procrastination.
I back my blogs frequently using a plugin WP DB Backup up. If anything happens I will always restore my blog. I use WP Security Scan plugin that is free to scan my blog and suspicious-looking asks to be blocked by WordPress Firewall to fix malware problems free.
An easy way is to use a few tools that are built-in. To begin with, don't allow people run a web host security scan to list the documents Recommended Reading in your folders and automatically backup your entire web hosting account.
For me it's a WordPress plugin. They're drop dead simple find this to set up, have all the functions you need for a task such as this, and are relatively cheap, especially when compared to having to hire someone to have this done for you.
It's really sexy to fan the flames of fear. That is what bloggers and journalists and politicians and public figures do. It's more helpful hints great for readership and it brings money. Balderdash.
Don't use wp_ as a prefix for your databases. That default is being eliminated by most web hosting providers but if yours does not, fix wp_ to anything else but that.