By faith

Glen Scrivener has written a short, pithy essay on faith and salvation. Here's how it begins:

How does Christ’s work and our faith relate?

What we don’t want to say is that Christ’s sacrifice brings 99 units of salvific merit and my faith brings 1 unit of salvific merit and between His contribution and mine I have accumulated the necessary 100 units.

Even if we say the blood of Christ is 999,999 units and ours is only 1 we have put our faith up where it doesn’t belong. We have made our faith into a work – a contribution towards salvation.

I recommend Glen's whole article.