When I was in college, one of my business instructors told us students that one of the biggest hurdles to making money was procrastination.
The how to fix hacked wordpress Codex has an outline of what permissions are okay. File and directory permissions can be changed either via an FTP client or within the page from your web host.
Safeguard your login credentials - Don't keep your login credentials where a hacker could find them. Store them off, and even offline. Roboform is very good for protecting them. Food for thought!
I don't think there's a person out there that after learning how much of a problem WordPress hacking is that it is a fantastic idea to boost the security of their blogs. However is that when it comes to securing their blogs, bloggers seem to be stuck in this state that is reactive.
It is really sexy to fan the flames of fear. That's what bloggers and journalists and politicians and public figures do. It's terrific for readership and it brings money. Balderdash.
There are always going to be risks being online (or even just being alive!) And it's easy to get caught up in This Site the fear. We put the breaks on, when we get caught up in the panic. This isn't a reaction. Take some common sense precautions forge ahead. It will have to be addressed then, if something bad does happen and no amount of quaking in your will have helped. If nothing does, all is good and you haven't made yourself ill with worry.