I am now righteous in the eyes of God. I am being sanctified day by day and becoming more like He wants me to be. But positionally, I am justified. The debt has been paid in full. This is not because of anything I have done, but only through the shed blood of Jesus Christ on the cross.
Salvation is by grace through faith alone.
That I may be found in him, not having mine own righteousness, which is of the law, but that which is through the faith of Christ, the righteousness which is of God by faith Phil. One who has been tempted in all things as we are, yet without sin. Therefore let us draw near with confidence to the throne of grace, so that we may receive mercy and find grace to help in time of need. This website has lots of excellent articles, a list of resources on the Internet, and more. Lots and lots of links.