When I read the Bible I find three phases of the word, salvation. The first phase is, we are saved, the second is, we are being saved and the third is, we will be saved.
The first phase is all God. We have no power to perform the first act of salvation because it involves justification. The second phase needs our cooperation because it involves sanctification. We have to cooperate with God's saving work being performed within us. The third phase is glorification, which takes place at Jesus' second coming. This is basically the byproduct of the first two phases.