How are you saved? That is the most crucial question for a believer. There are many cults, false religions and weird ideas out there about how a person gets to heaven and how a person is justified, or "made righteous" before God. We know from 1 John 1:7 that Jesus is our Advocate before God the Father, which means even as believers we continue to sin.
The real question is, "Did Jesus pay for some or all of our sin, past - present - future, on the cross?" The answer is fundamentally intertwined with real justification. Here is Phil Johnson to give a quick answer to this question, What is Justification by Faith?