My thoughts on this topic are actually really simple. I believe in a God, just one. I know that he can hear me anywhere at any time. I do not have to attend church or dress up for him to acknowledge my existence here. I believe that he provides us with challenges, and will never give us more than we can handle. I don't believe that my entire life is already written in stone, that I have choices, but I believe some of the major life points may have some pre-planning involved (like having kids and meeting that certain someone).
Really, its pretty simple. One thing I don't like about organized religion is there are just too many rules and its too complicated. So I just go with the flow and what works for me. And so far, this seems to be working!