" Salvation is not something that God begins and we finish. Salvation is the work of God from start to finish. “Being confident of this very thing, that He who has begun a good work in you will complete it until the day of Jesus Christ” (Phil. 1:6). On the cross, Jesus cried, “It is finished!” He provides a complete salvation. He didn’t “make the down payment” and expect us to keep up the installments! "