Problem: Article: It's hard to be consistent if you don't have a strong idea of what you need to do. When starting your new path, create easy, simple goals with specific, measurable results. Start by defining what consistency means to you. Do you need to be consistent about your exercise habits? Are you aiming for a higher quality of work? Do you want to be more available and reliable in your relationships? Once you've identified your end goal, come up with smaller steps to reach it. For example, if you want to become more physically fit, you might set the goal to exercise for 5 days out of the week or to sign up for a class. Be specific. Instead of saying "I'm going to consistently appreciate my significant other," you might say "I'm going to thank my significant other when they wash the dishes, make dinner, or help out around the house." It can be easy to pile on tasks and promises, but a calendar, planner, or schedule will keep you on track. A schedule will help you plan your day so that you get everything done on time. It will also help you understand what commitments you do and do not have time for. Use a paper planner or a desk calendar. Alternatively, download a scheduling app on your phone, like Google Calendar or Outlook. Block off realistic amounts of time for each task. If you're uncertain how long a task will take, give yourself extra time to complete it. For larger goals, like writing a book or losing weight, set small, daily tasks that you can do to work towards this goal. For example, you might set a daily word count to achieve or plan specific meals to eat each day. Don't forget to plan in breaks as well! Don't schedule anything else for that day or time. Sometimes, it is easy to forget our new goals, habits, commitments, or promises, especially when we make them to ourselves. To remind yourself throughout the day, put messages to yourself in visible areas. Write down your goals on post-it notes and place them on your mirror, computer, refrigerator, car dashboard, and planner. Slip a piece of paper with your goals into your wallet, desk drawer, or purse. If you are trying implement a daily practice, put a reminder on your phone. Set an alarm or use a reminder app to alert you when you need to do it. Consistency often involves making commitments and keeping them. It is easy to get overwhelmed, however, if you make too many promises. If you think a request may be difficult to do, say no. For example, if you tell your significant other that you're going to handle half of the chores, make sure that you have time after work to actually do them. In some cases, you may be able to negotiate a promise that you will be able to keep. For example, if someone asks you to help them move, you can say, "Well, I can't make it before 3 PM, but I could swing by after. Does that work?" This includes making promises to yourself. If you know it is unrealistic for you to write 10 pages a day for your new novel, promise yourself that you'll just write at least a little bit each day. If you do complete your goals, give yourself a reward. Even small goals deserve small rewards to help keep you motivated throughout the process. For example, if you've managed to complete your work by 5 pm every day for a week, take an evening off. Go see a movie or treat yourself to a special dinner. If you're training for a marathon and you've managed to hit your daily exercise goals, sign up for a 5k to give you a sense of your success. If you've managed to improve your relationships by being more consistent, your friendships may be the reward. If you're proud of yourself, take your friends out or host a dinner.
Summary: Create specific and realistic goals. Create a schedule for yourself. Place reminders around your home, workspace, and belongings. Make promises only if you can keep them. Reward yourself when you get something done.

INPUT ARTICLE: Article: Ledgers record all of the transactions for that account. You will need to create a ledger for each account that you do business with. There are two ledgers included: "Cash" and "Profit and Loss Account". You can create as many other ledgers as you need. When creating accounts for other parties, under Sales or Purchase (revenue), they must be listed as Sundry Debtors, Sundry Creditors or Branch/Divisions. Place the party in the group that they closest relate to. For example, A party that you sell more to than you buy from would be a Sundry Debtors account. Select "Accounts Info" from the Gateway menu. Choose the "Ledgers" option. You can then choose to create a single ledger or create multiple ledgers. The first thing you will need to do when creating a ledger is to select which group it will be assigned to. Selecting the right group is important, as it will affect how numbers and sales are totaled later. The list of available groups will be on the right side of the screen. Enter a name for your ledger. This will allow you to easily know what the ledger contains without having to open it. When creating a ledger, you will need to indicate the balance that the ledger is starting with. If you are creating a ledger for your bank account, this would be the amount currently in it. If you are starting a ledger for the amount owed to a contractor, the amount you owe would be the starting balance.

SUMMARY: Understand what ledgers are for. Open the Create Ledger window. Select the group. Give the ledger a name. Enter an opening balance.

In one sentence, describe what the following article is about: When purchasing insurance, it is important to shop around, getting quotes from several different sources. Not only does this give you a sense of what your average rate will be, it can also give you bargaining power when you do finally settle on a provider. Most major insurance companies have online rate generators at no extra charge. You can also complete self-quotes online. Certain types of payment plans for cars contractually require certain levels of coverage. Additionally, if you are looking at used cars, buying an older car, with reasonable safety scores and a low resell value, you can usually get by on the minimal coverage for your area. Cars on lease or lien require comprehensive coverage, which means that insurance will cover the cost of all accident-related repairs and replace the value of the vehicle in the event it is totalled in an accident. Insurance rates vary wildly throughout the United States and other parts of the world. Some regions like Hawaii forbid assessing insurance based on age or gender, so a teenager would pay the same as an adult. Florida requires "Personal Injury" insurance on all automotive policies, running about $200 per term. Some places assess insurance rates based on the safety mechanisms the car provides; other places assess on the basis of the cost to replace the car in the event of an accident. In Puerto Rico, car insurance is state subsidized to ensure everyone has access to it. In some states, certain types of cars are seen as inviting accidents or more prone for damage in accidents, so the rates can be accessed with that risk in mind. An older car usually has a lower resale value, which can be helpful on states like South Carolina, where insurance is based on value of the car. In Florida, however, because an older car has fewer safety accommodations, the same car would be more expensive to insure than a new car. High-end cars mean higher premiums. Particularly foreign cars that require dealer parts mean higher insurance rates because they cost more to repair. Bigger motor means bigger cost. Cars with more powerful motors are designed for speed and, when you buy one, your insurance company assumes you plan to drive it fast and assesses your policy as a greater risk. Theft risk matters. Insurance rates depend on a good many factors, even including the rate of theft for certain makes and models of car, independent of the actual value of the vehicle.
Summary:
Get quotes. Understand types of coverage. Understand how area or region impacts insurance rates. Understand that vehicle type and age can impact rates.