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!!
Sure He did. It's called a gift.
Ephesians 2:8-10 8 For by grace you have been saved through faith. And this is not your own doing; it is the gift of God, 9 not a result of works, so that no one may boast.
If I can work for my salvation, that would give me something of which I could boast of before God. Then who gets the credit and glory?