Are we saved by faith and are we justified daily? Is sanctification the work of a life time?

"Being Justified." In other words, being made righteous. To justify means to make righteous. God supplies just what the sinner lacks. Let no reader forget the simple meaning of justification. Some people have the idea that there is a much higher condition for the Christian to occupy than to be justified. That is to say, that there is a higher condition for one to occupy than to be clothed within and without with the righteousness of God. That can not be.(Waggoner on Romans)

Notice in the above account that the taking away of the filthy garments is the same as causing the iniquity to pass from the person. And so we find that when Christ covers us with the robe of His own righteousness, He does not furnish a cloak for sin but takes the sin away. And this shows that the forgiveness of sins is something more than a mere form, something more than a mere entry in the books of record in heaven, to the effect that the sin has been cancelled. The forgiveness of sins is a reality; it is something tangible, something that vitally affects the individual. It actually clears him from guilt, and if he is cleared from guilt, is justified, made righteous, he has certainly undergone a radical change. He is, indeed, another person, for he obtained this righteousness for the remission of sins, in Christ. It was obtained only by putting on Christ. But "if any man be in Christ, he is a new creature." 2 Cor. 5:17. And so the full and free forgiveness of sins carries with it that wonderful and miraculous change known as the new birth, for a man cannot become a new creature except by a new birth. This is the same as having a new, or a clean, heart.

The new heart is a heart that loves righteousness and hates sin. It is a heart of willingness to be led into the paths of righteousness. It is such a heart as the Lord wished Israel to have when he said, "O that there were such a heart in them, that they would fear me, and keep all my commandments always, that it might be well with them, and with their children forever!" Deut. 5:29. In short, it is a heart free from the love of sin as well as from the guilt of sin. But what makes a man sincerely desire the forgiveness of his sins? It is simply his hatred of them and his desire for righteousness, which hatred and desire have been kindled by the Holy Spirit.

In short, it is a heart free from the love of sin as well as from the guilt of sin. But what makes a man sincerely desire the forgiveness of his sins? It is simply his hatred of them and his desire for righteousness, which hatred and desire have been kindled by the Holy Spirit.