I noticed being saved is still being debated at this time. Let me offer a possible explanation. Salvation is like Jesus giving you a car. First it is a expensive car that no one can afford, it can only be given by God through Jesus Christ. So salvation is a free gift, through faith in Jesus Christ.
Now salvation like a car has to be lived or enjoyed. We have to own it or receive it. Like a car we have to register it,insure it, learn to operate it, and maintain it.
You may say looks like we are working for it but the truth is we still need Jesus and the Holy Spirit to own it,insure it, operate and maintain it.
In other words salvation is absolute dependence on God. You may say what if we neglect it or not use it, then maybe we do not have it .