1. We all have sinned.
For all have sinned, and come short of the glory of God; Romans 3:23
God's Word reminds us that we all have sinned. The word sin means to miss the mark. At one time or another we have all deliberately chosen to disobey God.

2. Sin has a penalty.
For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord. Romans 6:23
A wage is a payment. The payment for your sin is death and separation from God in a place that the Bible calls hell.

3. Penalty has a price.
But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us. Romans 5:8
The word commendeth means proved. God proved His love for you by giving His own Son, Jesus, to die on the cross for your sins.

4. Believe on Jesus today.
That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved. Romans 10:9
To believe on Jesus Christ as Saviour means to believe that He died for you.