A saving knowledge of Jesus Christ begins with the forgiveness of sins through repentance (a turning away from those sins), and faith in Him alone.
Yes, we are to work out our salvation but it is GOD that works within us to work and to will.
Humility is the one characteristic that sets apart all of God's people. It is not something that any man can manufacture in himself; it is a trait that is created solely by the God that saves proud sinners. We take a brief look at the humility of Daniel in this post.