First, realize that God loves you...
    John 3:16 "For God so loved the world that He gave His only begotten Son that whosoever believeth in Him should not perish but have everlasting life."

God loved you so much that He was willing to sacrafice His own Son to provide you a way of salvation.


Secondly, realize that everyone is a sinner...
    Romans 3:23 "For all have sinned and come short of the glory of God."
    
No one is good enough to go to Heaven on his/her own merit.  No matter how much good we do, we still fall short.


Thirdly, realize that sin has a price that must be paid...
    Romans 6:23 "For the wages of sin is death, but the gift of God is eternal life, through Jesus Christ our Lord."

Just as there are wages for good, there is punishment for wrong.  The penalty for our sin is eternal death in a place called Hell.


Fourthly, realize that Jesus Christ died to pay your price...
    Romans 5:8 "But God commendeth His love toward us in that while we were yet sinners, Christ died for us."

Christ's great love for us was shown when He willingly died on the cross to pay our sin debt.


Finally, pray, ask Jesus to be your Saviour, and claim His promise of eternal life...
    Romans 10:13 "For whosoever shall call upon the name of the Lord shall be saved."

Everlasting life is a gift purchased by the blood of Jesus and offered freely to those who call upon Him by faith.


You can call upon the name of the Lord by praying something like this...
(Realize it isn't the words of a prayer that save you, but your faith in Jesus Christ)

    "Dear Lord Jesus, I know I am a sinner and I need to be saved.  I believe that you shed your blood on the cross, died, and rose again as payment for my sins.  Lord, I turn from my sin and turn to you.  In the best way I know how, I trust in you, and you alone, to save me from Hell and to take me to Heaven when I die.  Thank you for saving me.  In Jesus name, Amen."