The term "Saved", in the Christian context, is referring to one who is "saved" from having to pay the penalty for the sins they have committed. If the penalty for our sins is already paid for and we believe that they have been paid for by Jesus Christ, then they are paid for. So we don't have to pay for them. In truth, we could never pay for them. So we are "saved" from the penalty of having to pay for the sins that we have committed - because Jesus Christ already paid the penalty for them.
Salvation – Means the act of being saved. In the case of a Christian, it is being saved from the eternal separation of God in a place of torment, hell, where we would be
tormented day and night continually, without end – for all eternity. Without the saving power of what Jesus did for us, we would have to pay the price of each and every sin that we have committed and ever will
commit. By Jesus having paid for these sins, He has delivered us from that fate. Thus we have salvation. He is our Savior.
Why do we need salvation?
Because we are sinners and can not pay the penalty for the sins we have committed. As it says in Romans 3:23, For there is no difference; For all have sinned, and fall short of the glory of God and are justified freely by His grace through the redemption that came by Christ Jesus.
Yes. It is a free gift.
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