The first step is to set up passwordless SSH access to your web hosting account or other SSH login. The instructions at git-scm.com are pretty accurate in how to do this. They're suggesting to set up a new account, named git, to store the repositories but I don't think that's necessary. However, if the repository is to be shared between multiple people it should be set up on its own SSH login.
I created a directory 'git' in the home directory of my hosting account. That directory is being used to store repositories. Repositories are created as follows.
$ mkdir git
$ cd git
$ mkdir repository.git
$ cd repository.git
$ git --bare init
So far the steps are as shown on git-scm.com. From here onward is where my steps differ from theirs.
On your laptop, type this:
$ git clone userName@server.host.dom.ain:git/repository.git
This creates a directory named 'repository' containing a clone of the empty repository just created above.
Now add files to the repository, for example:
$ cd repository
$ echo 'Hello, world!' >README.md
$ git add README.md
$ git commit -m 'initial commit'
$ git push
QED