You go to Purgatory if...
You go to Purgatory if you die carrying the guilt of venial sin. Venial sin is serious sin that doesn’t deserve the eternal torment of Hell. An example would be saying a prayer carelessly. Mortal sin is worse sin. It is serious sin that does deserve Hell. An example of it would be murder or adultery or spitting out the communion wafer.
You go to Purgatory if you die without any sin but if you owe God a debt of temporary (temporal) punishment for your sins.
You cannot help yourself in Purgatory. You have to suffer enough before God will let you out. The suffering purifies.
The living can pray for you and commit sacrifices for you and have masses offered for you. This lessens the suffering you owe God.
The living can get a plenary indulgence for you that gets you out of Purgatory altogether.
If you are in Purgatory, you cannot and do not sin any more. You are saved and destined for Heaven but only after Purgatory is done. The Church says that being saved means you cannot lose salvation but this only applies to people who have died.
Nobody is meant for going to Purgatory. We are to blame if we go there.
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