Realize you are a sinner and have broken God's law. -Romans 3.23 - "For all have sinned and come short of the glory of God."
Realize sin bears a penalty. -Romans 6.23 - "For the wages of sin is death, but the gift of God is eternal life through
Jesus Christ our Lord."
Realize God loves you and has provided the only way of forgiveness through His son Jesus Christ. -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."
Personally call upon the Lord Jesus Christ to forgive your sin and save you. -Romans 10.13 - "For whosoever shall call upon the name of the Lord shall be saved."