For it is by free grace (God's unmerited favor) that you are saved (delivered from judgment and made partakers of Christ's salvation) through [your] faith. And this [salvation] is not of yourselves [of your own doing, it came not through your own striving], but it is the gift of God; Not because of works [not the fulfillment of the Law's demands], lest any man should boast. [It is not the result of what anyone can possibly do, so no one can pride himself in it or take glory to himself.] (Ephesians 2:8, 9 AMP)
We may have a lot of "demerits" from breaking God's Law. We're human and it's our nature. But no matter how many times we fail or sin God has grace for us, even favor. He loves each of us as if we're His favorite, desiring all of us to come to know Him even though it's unmerited, undeserved.
We're free from judgment even though we have demerits or actually charges against us for sin. We're free to walk near Jesus, to grow to be lovely or warriors spiritually, to share Him gently and lovingly to someone who's hungry to know. The demerits or charges against us seem like we have to undo them or cancel them out with something good. How can we be saved without making up for the trouble we caused? I don't really have an answer except that God loves us and because it's so much love He took the judgement for our demerits or charges. It also means we have nothing to boast in but Him. Someone boastful is not easy to be with, doesn't usually notice other's feelings, and has no ability to grow in ministry. Boastful is what we all would be if we got into heaven on our own merit. What ugly cacophony!
God gets the honor for our salvation and rightly so. He birthed Adam and Eve and the snake double crossed Him and He lost the closeness He had with them. He had created them longing for that closeness. So on the day that was unlike any other day, the day from the pit of hell, God double crossed the snake permanently. God's darling, His only Son, Jesus hung on a cross. Satan probably was assuming he was victor. But God tore a curtain in the Temple that was between open access and only priestly access. It meant that all of us had open access to God's heart of hearts that we had lost back with Adam and Eve. What a privilege paid for by Jesus agony. How can we boast? Then He rose from the dead and all was sealed for our salvation if we just say "I want it, Lord."