I present a partly pedagogic discussion of the Gel'fand-Yaglom formula for the functional determinant of a linear, one-dimensional, second order difference operator, in the simplest settings. The formula is a textbook one in discrete Sturm-Liouville theory and orthogonal polynomials. A two by two matrix approach is developed and applied to Robin boundary conditions. Euler-Rayleigh sums of eigenvalues are computed. A delta potential is introduced as a simple, non-trivial example and extended, in an appendix, to the general case. The continuum limit is considered in a non-rigorous way and a rough comparison with zeta regularised values is made. Vacuum energies are also considered in the free case. Chebyshev polynomials act as free propagators and their properties are developed using the two-matrix formulation, which appears to be novel and has some advantages. A trace formula, rather than the more usual determinant one, is derived for the Gel'fand-Yaglom function.