The changed/changing life is not what justifies a person.
It is the evidence that you have been justified.
You know you are justified in Christ and ready for the Judgment by if you can see Jesus in your life.
It has nothing to do with earning your salvation.
How do I accept his work?
WHAT is his work?
You do not know the gospel:
"25God presented Christ as a sacrifice of atonement, i through the shedding of his blood—to be received by faith." - Romans 3:25
This is exactly why I don't think you are saved.
You did not accept the forgiveness of God for salvation.
You don't even think that's the gospel, let alone received it by faith.