Turning bread into toast may metaphorically represent making money. It may also have associations with a surpnse gift of money.
To see a toaster in your dream suggests that you are quick witted and quick-thinking.
Dreams of a toaster signify that you are warming up emotionally a project or a relationship. This dream might also be giving you the message that you are plugged into your purpose for being alive and that is why you feel warm, fuzzy and toasty.