... we did decide to trust Christ, but the reason we made that decision is that God had first made us spiritually alive. ... God comes to us when we're spiritually dead, when we don't even realize our condition, and gives us the spiritual ability to see our plight and to see the solution in Christ. God comes all the way, not partway, to meet us in our need. When we were dead, He made us alive in Christ. And the first act of that new life is to turn in faith to Jesus.

Not only has the debt (of our sins) been fully paid, there is no possibility of ever going into debt again.

Grace stands in direct opposition to any supposed worthiness on our part. To say it another way: Grace and works are mutually exclusive. As Paul said in Romans 11:6, "And if by grace, then it is no longer by works; if it were, grace would no longer be grace." Our relationship with God is based on either works or grace. There is never a works-plus-grace relationship with Him.

...God has made provision for our holiness. Through Christ He has delivered us from sin's reign so that we now can resist sin. But the responsibility for resisting is ours. God does not do that for us. To confuse the potential for resisting (which God provided) with the responsibility for resisting (which is ours) is to court disaster in our pursuit of holiness.

Preach the gospel to yourself every day.

Holiness is nothing less than conformity to the character of God

Bitterness arises in our hearts when we do not trust in the sovereign rule of God in our lives