Deciding Fate

Some people believe that fate it is predetermined others think we make our own paths. I guess I never really fully embraced the theory that everything is set in stone. If that was the case life would be incredibly boring. Wouldn't just have to sit there and wait for whatever we needed to happen to happen. Lets say that everything is predetermined. So if I am meant to marry then I can just sit in my house and not try and find someone and prince charming will magically appear. If I am not meant to marry I can sit in the house and do the same thing? But what if its my choice to stay in my house that determines the fate of whether or not I marry? Ugh... my brain hurts. I personally think that there is multiple routes to every situation and decision we make. Overall we choose and then that set of event occurs after that and they may be interlinked with other events. Example: I am hungry I have several options. I can go out to eat, I can eat at home, I can not eat at all. I could even break those down further. What option I choose decides what happens whether that is a car accident or meeting prince charming. Some people I guess would say that the option I choose is already predetermined by God or other higher being. But then what is the point of free will and heaven or hell? If God or higher powers know what we are going to choose and where we will end up and who we will be with. Why does it honestly matter because it is our fate either to be damned or saved and that supreme being already knows? Yet again I am making this about religion but this is one of those questions that has baffled me for years. Perhaps it is fate that I never know the answer and just keep pondering it...