Thanks to Richard & Dwayne:
God's Arithmetic regarding Grace:
He (meaning us) is to add grace to grace, and as he thus works on the plan of addition, God works for him on the plan of multiplication. AA532
I will be going back to read more, but here are a few words from SOP
MH 161
Grace is an attribute of God exercised toward underserving human beings. We did not seek for it, but it was sent in search of us. God rejoices to bestow His grace upon us, not because we are worthy, but because we are so utterly unworthy. Our only claim to His mercy is our great need.
SM I-381-382
Effort and labor are required on the part of the receiver of God's grace, for it is the fruit that makes manifest what is the character of the tree.
SM I-366
Without the grace of Christ, the sinner is in a hopeless condition, nothing can be done for him...please read on the rest of it.
SM I-372
Without the grace of Christ it is impossible to take one step in obedience to the law of God.
SM III-150
Some seem to feel that they must be on probation...before they can claim His blessings. But these dear souls may claim the blessing of God even now. They must have His grace, the spirit of Christ to help their infirmities or they cannot form Christian characters.
You all have read or heard the "Once saved always saved" belief. My concern from this pastor is that everyone has grace whether they know it or not. And are saved because of it.
I am not standing in judgement of my sister, but only going by the evidence presented to me, only God knows the soul and heart of a person, but my sister, who is agnostic, believes that because she prays to God and she is a good girl, that she will go to heaven, that could well be, but she will not read the bible and she thinks of Jesus as just a good teacher, but not the Son of God. If we do not accept the grace or His word, as stated above "Without the grace of Christ, the sinner is in a hopeless condition, nothing can be done for him" must apply.
No, we cannot do anything to deserve grace, it is a gift given by God from His love for us, but I believe that we have to acknowledge grace, such as the thief on the cross for it to have it's power in our lives. It is my understand that we cannot have grace and sin at the same time.
My concern in this class that night was that no matter what we do, we cannot loose grace. Now I know that words can be confusing and my wording could be saying one thing and I understand it another way, but, please help me: God's grace is abundant, it is poured out like rivers to all, but we must accept it for it to be of any benefit to us and once we allow God's grace into our lives, it transforms the character to salvation.
My concern is that if we do not have a correct understanding of grace, that we could end up going down a road that does not lead us to Christ or salvation.