By faith I know I am saved, this faith is assured in the presence of the Holy Spirit. I cannot by any means of my own reason out that I'm saved or even attain salvation, so I commit myself to Christ, through him in temperance and faith I'm hoping to run the race. I care not for heaven nor hell, for in my mind they distract me from my goal of honouring God for who he is and not what he has done.
That would be the salvation by accumulated grace theory. In contrast, Scripture often speaks of salvation in connection with Faith or following Christ, etc. but never anything about building up a spiritual bank account of merit obtained through the performance of any number of acts.