First, you must realize that you are a sinner.
Romans 3:23 says, "For all have sinned, and come short of the glory of God."
This means no one is perfect. We have all done things that are wrong.
Second, you must realize that there is a penalty you owe for your sin.
Romans 6:23 says, "For the wages of sin is death:" This death is described in the Bible as the "second death," the lake of fire. If we received what we deserve for our sins, we would have to go to Hell, the lake of fire.
Third, you must believe that Jesus Christ paid your sin debt for you.
Romans 5:8 says, "But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us." Jesus died on the cross, was buried, and rose from the dead three days later. He did this to pay for your sins.
Fourth, you must trust Christ alone as your Saviour.
Romans 6:23 says, "the gift of God is eternal life through Jesus Christ our Lord."
Romans 10:13 says, "For whosoever shall call upon the name of the Lord shall be saved." Eternal life in Heaven is a gift purchased by the blood of Jesus and offered freely to those that call upon Him by faith.
Let us help you word a prayer. Realize it is not a prayer that saves you, but it is your faith in Jesus Christ.
Dear Jesus, I know that I'm a sinner. I know that if I had to pay for my own sin, that I would have to go to Hell, but I believe that you died for me. I am trusting You today to be my Saviour, and to take me to Heaven when I die. Amen.