To me, this is the most difficult part of forgiveness. As Christians, we are quick to offer the grace of our Lord to the world, but we often parcel it out meagerly to ourselves.
Consider King David, who committed adultery and then murdered the husband to cover up his offense. When his sin was exposed, David repented, and the Lord sent the prophet Nathan to tell him, “Your sin has been pardoned.” Yet, even though David knew he was forgiven, he had lost his joy. He prayed, “Make me to hear joy and gladness; that the bones which thou hast broken may rejoice…Restore unto me the joy of thy salvation; and uphold me with thy free spirit” (Psalm 51:8,12).
Why was David so disturbed? This man had been justified before the Lord, and he had peace through God’s promise of forgiveness. Yet, it’s possible to have your sins blotted out of God’s Book but not out of your conscience. David wrote this Psalm because he wanted his conscience to stop condemning him for his sins. And David couldn’t forgive himself. Now he was enduring the penalty for holding onto unforgiveness—an unforgiveness directed toward himself—and that is a loss of joy. The joy of the Lord comes to us as a fruit of accepting his forgiveness.
I have been greatly impacted by the biography of Hudson Taylor.