1. All have sinned...

For all have sinned and fall short of the glory of God

Romans 3:23

2. The penalty for sin...

For the wages of sin is death, but the gift of God is eternal life in Christ Jesus our Lord

Romans 6:23

3. The payment for sin...

But God demonstrates his own love for us in this: While we were still sinners, Christ died for us

Romans 5:8

4. Trust the one who rose and died for you...

That if you confess with your mouth, "Jesus is Lord," and believe in your heart that God raised him from the dead, you will be saved. For it is with your heart that you believe and are justified, and it is with your mouth that you confess and are saved. for, "Everyone who calls on the name of the Lord will be saved"

Romans 10:9,10,13

It's just that Simple!

Admit you are a sinner (I am a sinner).
Be willing to turn from your sins (repent).
Believe that Jesus Christ died for you on the Cross and rose from the grave.
Through prayer, invite Jesus Christ to come in and control your life through the Holy Spirit.(Receive Him as Lord and Savior.)

Pray this prayer

Dear God,
I know that I am a sinner and need Your forgiveness. I believe that Your son Jesus died for my sins and You raised Him from the dead. I want to turn from my sins. I now invite You to come into my heart and life. I will trust and follow You as Lord and Savior. In Jesus' name. Amen

If you prayed that prayer and meant it then you are Saved. All you need to do now is to read your bible often, pray (talk) to God, and join a bible based church that continues to offer the good news of Jesus Christ.