In this lesson we learn about Grace. To me, it stands for Great Redemption At Christ’s Expense. I couldn’t pay it, so He did. It's a Gift of God. "Lest any man should boast.” I don’t need Grace when I’m living right. I need it when I’m messing up (sinning.) If you can somehow get over your need to pay for your own sins and allow God’s GRACE to pay for them, you’re going to be ok.
Grace is not a blanket charge or cost, it’s according to your need and according to your ability to receive the “GIFT”. It's the most important concept in the Bible. Without it, we would all be lost, even the best of us.