True saving faith is not simply a matter of believing in Christ because you are afraid of going to hell; faith is not simply a matter of avoiding punishment where you do not have any desire to love and enjoy Christ. Rather, true saving faith means that you come to a deep, heartfelt conviction of how precious Christ is, and ‘account all things loss for the excellency of the knowledge of Christ Jesus our Lord’ (Philippians 3:8). You come to see Christ as all your salvation and happiness (Colossians 3:1).
True saving faith also means that you love every part of Christ’s salvation – holiness as well as forgiveness of sins. It means that you earnestly desire God to ‘create in you a clean heart and a right spirit’ as well as ‘hide his face from your sins’ (Psalm 51:9-10). Do not be like those who care nothing about Christ at all, except to be delivered from hell. ‘Blessed are those who hunger and thirst for righteousness, for they shall be filled.’ (Matthew 5:6)
– Walter Marshall, The Gospel Mystery of Sanctification, p. 51
(HT: Trinity Church Blog)