"Our lives are governed by the truth, whether we believe it or not. However, our experience of life is governed by our beliefs, whether they are true or not." ~ Unknown
Our beliefs make a difference; what we BELIEVE makes a difference. Our beliefs make us either happy or unhappy. The crazy thing is, our belief doesn't even have to be true!
If we believe in a friendly universe, that's more likely to be our experience. If we believe people are basically mean, and out for their own personal gain at the expense of others, THAT is likely to be our experience.
So, what we believe does make a difference. And it doesn't matter what we believe, as long as what we believe makes us happy, helps us walk in truth and love, and helps us to be loving to ourselves and others.