I will try to be as crystal clear as I can in sharing what I believe, again emphasizing that I am simply sharing what I believe, not asking anyone to believe it: The Bible says we are in a dire predicament and many of us don't even know it. We were all born with a sinful nature we inherited from our parents and as a result we all have sinned. The penalty for sin is death. This means that we will die physically, are dead spiritually toward God, and will die the second death which is eternal separation from God and his love. But God loves us and paid the penalty by sending his Son, actually God in the flesh, to die, thus paying the penalty. When a person trusts in Jesus, they trust that Jesus did pay for their sins and Jesus gives them eternal life and they are completely saved forever.
Jesus said, "I give them eternal life, and they shall never perish; no one will snatch them out of my hand." John 10:28
We don't earn eternal life, Jesus gives it to us. And from that moment on we have eternal life that nobody and nothing can ever take away. We have the life and we have the eternal because Jesus gave it to us. Jesus did all the work. He paid for all our sins (all means all) on the cross. He also gives us his righteousness in place of our own since all our works of righteousness for salvation are as filthy rags to a holy God.
As far as 'works' goes. There is confusion about that among people, too. Let me quote some verses and then try to explain:
For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God— 9 not by works, so that no one can boast. 10 For we are God’s handiwork, created in Christ Jesus to do good works, which God prepared in advance for us to do. Ephesians 2:8-10
Note here, we are saved through faith, that is a gift from God, not by works, so no one can boast. We are saved, and good works can and should follow as a result, not as part of getting or keeping saved. I will say, everyone who is saved has the Holy Spirit living in them and they will produce fruit of some sort whether it is very noticeable to others or not, as a result of salvation and the work of God in their life as they grow in his grace.
But when the kindness and love of God our Savior appeared, 5 he saved us, not because of righteous things we had done, but because of his mercy. He saved us through the washing of rebirth and renewal by the Holy Spirit, 6 whom he poured out on us generously through Jesus Christ our Savior, 7 so that, having been justified by his grace, we might become heirs having the hope of eternal life. 8 This is a trustworthy saying. And I want you to stress these things, so that those who have trusted in God may be careful to devote themselves to doing what is good. These things are excellent and profitable for everyone. Titus 3:4-8
This, too, says we were not saved by the righteous things we did, but by his mercy and grace. Then it says those who have trusted in God should do what is good because its excellent and profitable for all. First we are freely saved, good works may follow as we yield to the Holy Spirit and grow in our Christian walk.
Knowing that a man is not justified by the works of the law, but by the faith of Jesus Christ, even we have believed in Jesus Christ, that we might be justified by the faith of Christ, and not by the works of the law: for by the works of the law shall no flesh be justified. Galatians 2:16
Here again works cannot save, but faith in Christ. What James says is that before men, to be justified in the sight of men, men need to see some fruit if you say you have trusted in Christ, not that the works save you, but they are evidence to men that you truly have trusted Christ and so Christ is beginning a new work in your life.
Just know, and again this if just my beliefs, we are freely saved, works can and should be a result.