Sometimes we misunderstand what believing is all about. Believing must be followed with something. It must be followed with action. Without action faith is dead. We are deceived when we are taught that salvation does not have a cost to it.
In James it says, “Even so faith, if it has no works, is dead, being by itself” (James 2:17 NASU).
Yes it is a free gift that we receive from God. But it is only free in that we did not pay for it.
To receive it we must forsake all. That is what repentance is. It is a complete change of heart and a one hundred and eighty degree turn in direction.