Romans 10:9 (NLT)
If you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.
Many people have made a decision to receive Jesus Christ as their Savior, but they have never made the commitment to make Him the Lord of every area of their lives. A true believer is one who has made Jesus Christ the Lord of every area of their life.
Salvation is a decision made with the mind that leads a person into a relationship with God. Lordship is a commitment made with the heart that is sustained through daily fellowship with the Holy Spirit. Salvation is a product of a decision made with the mind; Lordship is a product of a commitment made with the heart.
Believing in your heart means acting on the Word of God, and practicing the Word refers to where we invest our time, what we do with our talent, and how we spend our money (treasure).
We know that the person who has never placed his or her faith in the substitutionary sacrifice of Jesus Christ will spend their eternity separated from the presence of God, but the person who has placed his or her faith in the substitutionary sacrifice of Jesus Christ will spend their eternity in the presence of God, but they will determine how they spend their eternity by what they do with their time, talent, and treasure during their lifetime here on the earth.