Being saved means being saved from the wrath of God as it is expressed against sin. The wrath of God in the Nt is referred to as fire --
2Pe 3:7 But the heavens and the earth, which are now, by the same word are kept in store, reserved unto fire against the day of judgment and perdition of ungodly men.
1Co 3:11 ¶ For other foundation can no man lay than that is laid, which is Jesus Christ.
12 Now if any man build upon this foundation gold, silver, precious stones, wood, hay, stubble;
13 Every man's work shall be made manifest: for the day shall declare it, because it shall be revealed by fire; and the fire shall try every man's work of what sort it is.
14 If any man's work abide which he hath built thereupon, he shall receive a reward.
15 If any man's work shall be burned, he shall suffer loss: but he himself shall be saved; yet so as by fire.
Faith in Christ is the foundation. If a person builds upon their faith with using good material they will receive a reward.
The good material would be activities conforming to the doctrinal principles of the Bible.
The material that is burned was built using incorrect building material.
Take for example groups that can be called fringe or cultic. God has given them faith in Christ and they build upon that gift of faith that was given to them by incorporating man made doctrinal interpretations which lead to semi or non Christian activities.
These people have been offered/given the ability to become the sons of God. Now I will get into doctrine a bit at this point.
The "day" is of course the day of the Lord which is a point of evaluation/judgment by God. The day is that point in time in which the materials used to build upon the persons faith are evaluated. Hence the receiving of rewards or subsequent Loss are the results of this evaluation.
1 Cor 11:32 says when we (Christians) are judged we are disciplined by God in order to avoid the condemnation of the unbelievers.
So right away we know that judgment is not final condemnation. The judgement of the Day (or the Lord) sis omething God used to correct the unwise behavior of the person to whom He has given faith.
Hell (fire) was a place created for the Devil and His angels to dwell. Mt 25:41 Then shall he say also unto them on the left hand, Depart from me, ye cursed, into everlasting fire, prepared for the devil and his angels:
We know that hell can touch a person from James 3:6 where the tongue is set on fire by Hell.
Since the Devil comes only to steal kill etc... to be touched by fire after the point of evaluation or time of judgment is the Loss mentioned in 1 Cor 3:15.
Job was disciplined by the powers of darkness and then rewarded afterwards.
Christian life is a growth process (grow in grace) and the Day of the Lord is a time of evaluation. Sometimes Christians sin -- this is simply a fact. Sometimes they sin knowingly/willfully.
Heb 10:26 For if we sin willfully after that we have received the knowledge of the truth, there remaineth no more sacrifice for sins,
27 But a certain fearful looking for of judgment and fiery indignation, which shall devour the adversaries.
According to this verse the Christians who sin willfully expect judgment resulting in the loss spoken of in 1 Cor 3:15.
God will allow the fire (Devil and His angels) to touch the Christian in the manner and to the extent that is necessary to being the errant brother back to a place called "in Christ", 2 Jn 1:9. Being in Christ the person conforms to the teachings of Christ which were summarized by Jesus as "Love" or patience and kindness to everyone, Matt 22:40.
Brian
http://brmicke.yolasite.com/grace-vs-works.php