My belief
Simply said, I am probably something called "Theist" - simply said I believe in "something",
Gods and higher power
I do not believe in God in traditional sense, because I educate myself thoroughly and simply based on basic evidence and statistical evidence I found the concept of Christianity or other religion systems more as tools to control masses rather than something based on solid foundations.
I believe there could be and probably was something close to the definition of higher power in our history. Based on various potential evidence that historians study all the time, there are signs there indeed was some kind of higher power. People back then wasn't able to capture any prove or proper evidence so everything can only be speculative.
However, I base my belief on my own experience. My mother is spiritually very strong person. She always believed in "something", so I think I was inspired by her. My brain is more logical, so I looked for proof and I commenced various experiments. Based on everything I learned or witnessed, I believe there is some potent-yet-weak karma system in place and that destiny exists, but is not as solid as generally concepted to be.
The karmic logic
Do good deeds and good be returned upon you, do wrong and be rewarded wrong. Generally concepted as a null-based self-balancing system. According to my experience, not so much.
What I believe actually exists and somehow works is something like "karmic debt". But think of it more broadly - with every good deed, you are paying off your debt. Debt can be growing from a simple fact that you are alive. Not everyone has the same opportunity to read this text as you currently have, they must be in a solid karmic debt. I also believe that this debt is transferable across "lifes" - yes, as in reincarnation style - you carry your debt to your next life. The debt could be infinitely high, but I think only negative actions are forcing the system to take a toll. Some individuals might even carry a massive negative cloud behind them from previous lifes that is still forcing them to receive blows not caring how good they are trying to be. I also believe that everyone at the lowest levels of life, are there for a reason - their life representing a jail or repression of some kind.
If you observe your life, what is happening to you naturally, you can more or less determine how big your current karmic debt might be. I still think my debt is still quite large, as my intentions are usually met with disappointment or failure multiple times until I success. And stuff falls apart naturally even though I try to prepare for anything. Life always finds a way to steer things in unique ways. At the same time I believe that my repressive cloud might not be that large, as I have a lot of luck aswell.
Real life observation
It's just a few days ago that I had this major experience - I found myself a gift I wanted to try out, but I was unsure if I would be satisfied with it. As it wasn't really cheap I hesitated, but in the end, I ordered the product and had it delivered to the store for pickup. When was time for me to pick up my delivery I met only problems along the way. I >almost< crashed the car, then I had issues with opening my delivery e-mail on my phone and while doing so, store clerk locked up the door while I was still outside even though he had 4 hours left out of his opening hours schedule. These seemingly random events in this quick succession immediatelly triggered a red flag in me and I left the scene. When I parked my car next to my home, I decided to look through the catalog one more time and how big surprise it was that I found even better product for a better price than the one I ordered before! So I wanted to return back to the store, but now with intention to discuss with clerk about differences between those two things. This time, the entire ride was perfectly fine, e-mail opened immediately and the store was unlocked again. When I was leaving, I was happy that I listened to all the hints, as I made a lot more better purchase thanks to them.
I have far more concepts to think about surrounding religions and spiritual worlds, I will tell you more next time :)