I have no idea what you guys are on about.
As voko pointed out, your numbers are slightly off. You get 0.2145 kWh, but the true answer is closer to 0.21667 kWh. The discrepancy is due to rounding error. You used 0.33 hr when you should have used 1/3 hr. Multiplying by 1/3 is the same as dividing by 3, so just *do that* on your calculator. Or equivalently, multiply by 0.333333333 with a lot of decimal places to avoid rounding error.
Secondly, there is the issue of determining how many times then toaster is used in a month. As Voko pointed out, just assuming 4 weeks per month, for a total of 16 uses, is an underestimate, since most months have more than 28 days in them, so on average, you might use the toaster one or two more times than 16 in a month. So that's why figuring out the number of uses in a year and dividing by 12 is better. But I don't understand your numbers there either! There are 52 weeks in a year, so if you use the toaster 4 times a week, that's 52*4 = 208 uses in a year. NOT 192. I don't know where you got 192 from. Anyway, if I divide 208 by 12, I get an average of 17.3333333 toaster uses per month. So that's a bit more than 16.
The thing is, *regardless* of whether I use 16 or 17.33333 in my calculations, I don't get a final answer that is anywhere near 10 cents. My final answers are larger than that. I don't know what you're doing, but somethig is screwy with your arithmetic. You need to double check it.