Our faith enables us to work. If we are to accomplish anything for the kingdom we must use this equation. Leaving out any part will make the equation void. Without love than it is all for naught, it is a sounding brass and a tinkling cymbal. It is worthless and futile.
Love is the key.
Yes the scriptures tell us that salvation is a gift ,a free gift from God. There is nothing we can do though earn it,or buy it. But we are not speaking in this sense. We are speaking from the believers perspective that we are redeemed. It is a matter of anticipation whether or not you are aware that a reward awaits you in heaven.