Congratulations on your interview, Deb!
I bought a gallon of Oxine, for cleaning the incubator(s), and I think I will be using it to clean a few of the eggs when I start hatching. Most of my eggs are clean, but I have this one hen.... If the nest box is in use, she walks around, and out plops the egg on the ground. There are 2 identical large nest boxes in that coop for 4 hens. In typical chicken fashion, they'll line up to use the one, but won't use the other one. Anyway, many people swear by the Oxine if the eggs have to be cleaned before hatching.
Diva, we too paid for everything as we got it, never using credit. Part of the problem when we were looking to get a loan to buy a house was no credit history. It's taken us a little while to establish a good credit history, but we use the credit card when we have the money, pay the regular payments on it for a couple months, then send a big payment to pay it way down. In a couple months, we repeat the process.
I'm the one that hates using credit cards. For years Dh has complained about how everyone he works with (mostly his closest co-workers) seems to have so much more money than we do. He complained how bad I was with money. I've been hearing this for years, but not dwelling on his criticism of how I handled money. Everything we own is paid for. I tried telling him that most of his co-workers were in debt, and living way beyond their means. Another thing, both husband, and wife had to work to keep up with their payments. (I got a lot of this information when the wives would get together, and it so happened that every so often, one of them would be looking for a new job, and complaining about their money situation). He assured me I was wrong, and didn't know what I was talking about.
Fast forward to present day, and he, and a lot of his closest co-workers are now looking at retirement over the next year to 5 years. Most attended a retirement seminar at work. They're singing a new song now. He found out we're in pretty good shape for his retirement. His co-workers, on the other hand, are now revealing how many loans they have, and how much credit card debt they've accumulated, and are crying the blues.
Yes, having some credit is good, but keeping it in check, paying it down, and living within one's means is still much better in the long run.