"Think now of what you feel your greatest needs are, both spiritually and temporally. As you bring those needs to God in prayer, which would you rather present to Him as a consideration for meeting those needs; your spiritual disciplines, your obedience and your sacrifice imperfect as they are; or the infinite and perfect merit of Jesus? To ask the question is to answer it - is it not?".
Jerry Bridges - "Transforming Grace - Living Confidently in God's Unfailing Love" - Navpress (1991) - (p72).