We can exercise free will in free countries, within certain constraints. The constraints are generally the law, if law abiding, nature and the actions of others and their respective outcomes. If everything were cause and effect we would merely bob along on the waves whereas we can actually swim in a direction. Sometimes the waves alter that direction.
I don't believe in any divine predetermination. Only the forces that I mentioned above, the law, nature and the actions of others. If I'm within the law, I am of good health and people don't get in my way then I can largely determine my path and the only other constraints are what is possible given my ability and physics.