Perhaps this will help to rectify your understanding:
One can be confident of one’s present salvation. This is one of the chief reasons why God gave us the sacraments—to provide visible assurances that he is invisibly providing us with his grace. And one can be confident that one has not thrown away that grace by simply examining one’s life and seeing whether one has committed mortal sin. Indeed, the tests that John sets forth in his first epistle to help us know whether we are abiding in grace are, in essence, tests of whether we are dwelling in grave sin. For example, “By this it may be seen who are the children of God, and who are the children of the devil: whoever does not do right is not of God, nor he who does not love his brother” (1 John 3:10), “If any one says, ‘I love God,’ and hates his brother, he is a liar; for he who does not love his brother whom he has seen, cannot love God whom he has not seen” (1 John 4:20), “For this is the love of God, that we keep his commandments. And his commandments are not burdensome” (1 John 5:3).
Likewise, by looking at the course of one’s life in grace and the resolution of one’s heart to keep following God, one can also have an assurance of future salvation. It is this Paul speaks of when he writes to the Philippians and says, “And I am sure that he who began a good work in you will bring it to completion at the day of Jesus Christ” (Phil. 1:6). This is not a promise for all Christians, or even necessarily all in the church at Philippi, but it is a confidence that the Philippian Christians in general would make it. The basis of this is their spiritual performance to date, and Paul feels a need to explain to them that there is a basis for his confidence in them. Thus he says, immediately, “It is right for me to feel thus about you all, because I hold you in my heart, for you are all partakers with me of grace, both in my imprisonment and in the defense and confirmation of the gospel” (1:7).
How should a Catholic answer the question, "Have you been saved?" We explain what the Church teaches on this crucial topic.
www.catholic.com