Rather than ask "are you saved ?". I used " are we saved ?" , so you won't feel threatened. Let us continue " save from what ?" saved from judgment or hell. Why judgment ? what is hell ? Judgment because we sinned. Sin ? what is that ? Sin is transgression or violation of God's laws. And hell is supposed to be a place for devil and his angels, and for sinners.
Where did I get these terms ? from the Bible and from Christian churches.Do I believe them ? yes I do, do you ?
Back to the question, are we saved ? Yes if we have not sinned or if our sins has been paid for.No, if we are still living in sin and we have not ask for forgiveness.
But we all sinned, so how can we be saved ? God has provided a way for salvation. He sent His Son Jesus Christ to die for our sins. Jesus lived a sinless life that He is worthy to be the sacrifice or the payment for our sins.
So what do we do now ? The Bible says " Believe in the Lord Jesus Christ and you will be saved , you and your household."
What does believe means ? To believe is not just word but it means to trust. To believe is accept that something or someone is true.
So to believe in Jesus is to believe in the Bible accounts about Him, His words, His teachings , His life, His works etc.
So do we believe in Jesus ? If we do then we are saved .
It sounds simple , is'nt it ? But living it is not simple, that is why we also need the Holy Spirit. By the way , the Holy Spirit is given to those who believe in Jesus, If we have God , if we believe in Jesus then we have the Holy Spirit, then we are saved. We have eternal life.
Is it clear now ? If not please ask your priest or pastor.