I was told one day that: "Grace is free, undeserved favor." What a complete answer! I can have salvation, not because I deserve it, or because I have earned it by my goodness, but only on the ground of undeserved and free favor. I can pay nothing for it, and better still, that salvation is free to all.
There is then no excuse. Salvation is brought to your very door, and if you won't have it, there is nothing for you but judgment. You will never be able to blame God, for His grace has brought salvation within your reach, but you will not have it. You are spurning His grace, and throwing away the only means of salvation.