It is not faith that saves us

Faith is nothing but the instrument of our salvation. Nowhere in Scripture will you find that we are justified because of our faith; nowhere in Scripture will you find that we are justified on account of our faith. The Scripture never says that. The Scripture says that we are justified by faith or through faith. Faith is nothing but the instrument or the channel by which this righteousness of God in Christ becomes ours.

It is not faith that saves us. What saves us is the Lord Jesus Christ and His perfect work. It is the death of Christ upon Calvary's cross that saves us. It is His perfect life that saves us. It is His appearing on our behalf in the presence of God that saves us. It is God putting Christ's righteousness to our account that saves us. This is the righteousness that saves; faith is but the channel and the instrument by which His righteousness becomes mine. The righteousness is entirely Christ's. My faith is not my righteousness and I must never define or think of faith as righteousness. Faith is nothing but that which links us to the Lord Jesus Christ and His righteousness.

-Martyn Lloyd-Jones

Something that God has done

The gospel transforms us in heart, mind, will, and actions precisely because it is not itself a message about our transformation. Nothing that I am or that I feel, choose, or do qualifies as Good News. On my best days, my experience of transformation is weak, but the gospel is an announcement of a certain state of affairs that exists because of something in God, not something in me; something that God has done, not something that I have done; the love in God’s heart which he has shown in his Son, not the love in my heart that I exhibit in my relationships.

...In fact, our sanctification is simply a lifelong process of letting that Good News sink in and responding appropriately; becoming the people whom God says that we already are in Christ.

- Michael Horton
The Gospel-Driven Life
(Grand Rapids, Mi.: Baker Books, 2009), 77

Only in the old, old way

If you want health for your souls, and if you want to be the instruments of bringing health to others, do not turn your gaze forever within, as though you could find Christ there. Nay, turn your gaze away from your own miserable experiences, away from your own sin, to the Lord Jesus Christ as He is offered to us in the gospel.

...

It is the same old story, my friends-- the same old story of the natural man. Men are trying today, as they have always been trying, to save themselves-- to save themselves by their own act of surrender, by the excellence of their own faith, by mystic experiences of their own lives. But it is all in vain. Not that way is peace with God to be obtained. It is to be obtained only in the old, old way - by attention to something that was done once for all long ago, and by acceptance of the living Savior who there, once for all, brought redemption for our sin. Oh, that men would turn for salvation from their own experience to the Cross of Christ; oh, that they would turn from the phenomena of religion to the living God!

-- J. Gresham Machen (1881-1937)
from: The Importance of Christian Scholarship in The Defense of The Faith

The way of trust

The way of trust is a movement into obscurity, into the undefined, into ambiguity, not into some predetermined, clearly delineated plan for the future. The next step discloses itself only out of a discernment of God acting in the desert of the present moment. The reality of naked trust is the life of the pilgrim who leaves what is nailed down, obvious, and secure, and walks into the unknown without any rational explanation to justify the decision or guarantee the future. Why? Because God has signaled the movement and offered it as his presence and his promise.

— Brennan Manning (Ruthless Trust: The Ragamuffin's Path to God)

Effectually, Particularly, and Perfectly

Should we say “Christ died so that sinners might come to him”? Or, “Christ died for sinners”? There’s a big difference. Did Christ’s work on the cross make it possible for sinners to come to God? Or did Christ’s work on the cross actually reconcile sinners to God? In other words, does the death of Jesus Christ make us save-able or does it make us saved?

...

Certainly, we need to come to Christ in faith. But faith is not the last work that finally makes us saved. Faith is trusting that Jesus has in fact died in our place and bore the curse for us—effectually, particularly, and perfectly.

...

Christ does not come to us merely saying, “I’ve done my part. I laid down my life for everyone because I have saving love for everyone in the whole world. Now, if you would only believe and come to me I can save you.” Instead he says to us, “I was pierced for your transgressions. I was crushed for your iniquities (Isa. 53:5). I have purchased with my blood men for God from every tribe and language and people and nation (Rev. 5:9). I myself bore your sins in my body on the tree, so that you might infallibly die to sins and assuredly live for righteousness. For my wounds did not merely make healing available. They healed you (1 Peter 2:24).”

--Kevin DeYoung
Excerpts from chapter 15 of "The Good News We Almost Forgot"
source: here

The hard work we're called to

I used to think that when the Apostle Paul tells us to work out our salvation, it meant go out and get what you don’t have—get more patience, get more strength, get more joy, get more love, and so on. But after reading the Bible more carefully, I now understand that Christian growth does not happen by working hard to get something you don’t have. Rather, Christian growth happens by working hard to daily swim in the reality of what you do have. Believing again and again the gospel of God’s free justifying grace everyday is the hard work we’re called to.

This means that real change happens only as we continuously rediscover the gospel. The progress of the Christian life is “not our movement toward the goal; it’s the movement of the goal on us.” Sanctification involves God’s attack on our unbelief—our self-centered refusal to believe that God’s approval of us in Christ is full and final. It happens as we daily receive and rest in our unconditional justification.

...Our main problem in the Christian life is not that we don’t try hard enough to be good, but that we haven’t believed the gospel and received its finished reality into all parts of our life.

--Tullian Tchividjian

Source: here