First; You are a sinner.
As it is written, There is none righteous, no, not one:
For all have sinned, and come short of the glory of God;
Wherefore, as by one man sin entered into the world, and death by sin; and so death passed upon all men, for that all have sinned:
Second; You must believe that as a sinner you owe a penalty, and that Jesus Christ has paid your sin debt.
For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord.
But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us.
Third; You must accept Jesus Christ as your Saviour.
Romans 10: 9-10
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. For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation.
Romans 10: 13
For whosoever shall call upon the name of the Lord shall be saved.
“Dear Jesus, I know that I am a sinner, and that there is a penalty for my sins. I believe you died on the cross for my sins and rose from the dead. I ask you to forgive me of my sins and take me to heaven when I die. Amen”
The Plan of Salvation