Ephesians 2:8-9 For by grace you have been saved through faith; and that not of yourselves, it is the gift of God; not as a result of works, so that no one may boast.
Jesus Christ died for the very purpose of paying the penalty for our wrong doing. If we allow Him to do so, we are spared an eternity in Hell. This is salvation.
Not everybody will allow Him to die for them. Jesus does not force it upon those who refuse it.
In Ephesians 2:8-9 salvation is presented as a free gift. The word 'grace' means that we do not merit salvation, have done nothing to deserve it, cannot earn it.
The is no 'work', that is deed or action, that God will accept as payment for the sacrificial death of His Son, the Lord Jesus Christ. We can do nothing to compensate God for His gift of salvation: it is free.
If God required from us any deed or action before or after out acceptance of His free gift, then, the gift would not be a free gift. It would be something we earned through deeds and actions. It could not be through grace.
'Faith' is believing that the death of Jesus Christ paid our way to Heaven.
God's free gift is accepted as any gift would be accepted; we reach out and take it.
Lord God, we accept your free gift of salvation.