Good point about defining our terms clearly. After all, the Catholics use a lot of the same words we Protestants use, but they mean different things.

By salvation I mean that moment at which one no longer is under the just condemnation of God but rather now is clothed in Christ's righteousness, having no righteousness of one's own. That would be monergistic. But then we have justification. That is by faith alone. It's when God imputes Christ's righteousness to our account. That would be which one?

A good article by Donald Whitney on our role in sanctification, by the way, is found here:

http://www.spiritualdisciplines.org/role.html

True godliness is a sincere feeling which loves God as Father as much as it fears and reverences Him as Lord, embraces His righteousness, and dreads offending Him worse than death~ Calvin