My little children, these things I write to you, so that you may not sin. Being saved is not a matter of being in the Lord one day, and out of the Lord the next day. Nor, indeed, is it being forever secure without any involvement on our part. That takes considerable effort, but the effort is guaranteed by our Advocate. God has not, however, promised salvation to anyone that becomes lukewarm, indifferent, and insensitive to sin.
Purgatory is an invention of men.
Hell is something revealed by God. As soon as the soul has suffered enough, it is thought that worthiness for salvation is realized. This is not true however. When the individual dies, the condition in which he died is fixed, with no change being possible. There is NO evidence that our character can be altered after we die.