But I thought you said,"We are saved by Gods grace and grace alone...
But now you're contradicting yourself by throwing in "charity", i.e. "works". You can't cherry-pick the bible to your own liking.
Accepting Jesus as Lord and Savior is the only path to Heaven and under the New Covenant, it is by Faith and Faith (in His loving sacrifice) alone that we are saved..
You are the one who has been cherry-picking passages w/o keeping them in context.