Some people say it is all God's work and YOU don't do a thing. Some say you have to believe and repent and God will save you. Some say that you have to work out your own salvation. A few say everybody is saved. So how do you get saved and is it all God's work, some your own work, or something else?
No, it is not true that you do nothing. People are referring to the fact that you cannot do enough to be saved on your own, and also by trying to understand and explain salvation as if they were able to have God's perspective (everything is under God's control, etc.). It is also not true that salvation is a
free gift. It is not free in some different senses:
(1) it cost God the humiliation, torture, and death of his Son. This can also be thought of as, it cost God
his life. Additionally Jesus suffered his whole life for us (Isaiah 53:3). It is essential that we remember those things when we are considering how "free" it was for us.
(2) It costs you your will. No longer can you do just whatever you please, because you're giving up the illusion that you are God of your own life. One must accept Jesus as her Lord—the one who has the right to tell you what to do and not do—and justly hold you accountable for doing what is right. On its own this might sound like a bad deal, so it needs to be understood that God is good—in fact, very, very good. He is love. It is his nature to sacrifice for the good of others. He cannot deny his nature. Everything he wants for you is what is best for you, even if it doesn't seem that way now. He knows how to run your life better than you. Eventually you will understand and wholeheartedly agree.
(3) It costs you your life. No longer can you live for yourself, but for him who died for you, even if it causes you to suffer or even gets you killed. (We are expected to be responsible stewards of our lives, however, since they do not belong to us—1 Corinthians 6:19-20.)
And he died for all, that those who live should no longer live for themselves but for him who died for them and was raised again. (2 Corinthians 5:15, 1984 NIV)
This is one explanation of what comprises
believing in Jesus. If you do not genuinely and fully believe in Jesus, then the above will put you on the path to where God will grant you genuine faith in Him, by which you are saved.
For it is by grace you have been saved, through faith—and this not from yourselves, it is the gift of God—not by works, so that no one can boast. (Ephesians 2:8-9, 1984 NIV)
If a person believes he or she is saved, but has not yielded to his Lordship (e.g., feels like they don't need to be obedient to God), then they have chosen to fall into the same category as demons.
You believe that there is one God. Good! Even the demons believe that—and shudder. (James 2:19, 1984 NIV)
It is not actions you take that save you, but genuinely believing in God results in actions consistent with accepting his will over your own.