Thank Goodness or God?

I'm sometimes torn between saying "Thank Goodness" and saying "Thank God." On the one hand, I want to give credit where credit is due. God is, ultimately, the source of all of our blessings, and we should thank Him for them. But on the other hand, I don't want to say God's name too often. When Mom and I discussed this this morning, we came to the conclusion that what matters is the speaker's intention. If the speaker is actually thanking God or encouraging others to do so, than "Thank God" makes sense. If the speaker actually means something more along the lines of "that's nice," maybe "Thank Goodness" would be a better choice, out of respect for God. It is good to thank God for our blessings, but it is not good to say "Thank God" casually.