Fear and love

I heard a short but sweet lecture over Shabbat in which the rabbi spoke about the repentance process. He spoke about teshuvah m'yirah in which we transform ourselves out of fear and teshuvah m'ahava, a transformation based out of love. We spend Yom Kippur acknowledging our sins and hoping to offer a sincere repentance. But many repent based upon the fear of punishment. Repentance out of love requires a proactive step in which we take the initiative. We don't just admit our sins but we think of constructive ways in which to deter us from committing the same sin in the future.
The rabbi gave an exmaple of a person who doesn't pray in shul with the right concentration. He talks during the davening and is easily distracted from his prayers. In order to fulfill the mitzvah properly, he should enagage in proactive behavior, such as coming to the synagogue five minutes early to pray to G-d that He will help him achieve proper concentration.
If a person finds himself speaking lashon hara at certain hours and with certain people, he should examine initiatives that would help him prevent such behavior in the future. Perhaps he should spend the time reading Psalms instead of engaging in conversation which will lead to slander.
When we repent out of fear, our intentional transgressions are counted as unintended transgressions. When we repent out of love, our transgressions are transformed to merits.
May we all be zochech to achieve teshuva m'ahava.