You can't do both. Either I am saved by faith or I save myself
But nobody CAN save themselves.
The only one who can forgive a debt is the one to whom it is owed. The good works that I do or try to do cannot pay the penalty I owe for my sin, which is death.
There is no way to have the record of debt I owe God for my sin canceled except that it be forgiven by Him.
And when He forgives, it's forgiven.
Psalm 103:12 .... as far as the east is from the west, so far does he remove our transgressions from us.
But lay up to yourselves treasures in heaven: where neither the rust nor moth doth consume, and where thieves do not break through, nor steal.
You can do both and You Must
...’The only one who can forgive a debt is the one to whom it is owed.
Jesus gave the debt for mankind -
He did not give us a Free Pass!!