Catholics believe we are saved by faith, but that faith needs to be sustained with good works. We are all capable of rejecting God until our last breath, or making peace with Him in our last breath despite a liferime of service or a lifetime of rebellion. Christ won redemption for us on the cross, but justice dictates that sin must still carry a price.
What about purgatory?
So well said!
"Say the Rosary every day...
Pray, pray a lot and offer sacrifices for sinners...
I'm Our Lady of the Rosary.
Only I will be able to help you.
...In the end My Immaculate Heart will triumph."
http://www.theholyrosary.org/
How To Pray The Rosary
http://www.rosary-center.org/howto.htm