Belief
God saved you by his grace when you believed. And you can’t take credit for this; it is a gift from God.
Remember that it is through grace alone that God has saved you. He approves of you not because of what you have or have not done, but because he loves you and has forgiven all your sins. The fact that this is God’s free gift to you and not something you must strive for with your own effort brings great comfort, security, and hope. When you accept God’s grace just as you would accept any other gift, you will fully enjoy its benefits.