Paul VachonI started Frugal Toad in 2011 out of a passion for personal finance and wanting to share that knowledge with my readers.

I have a BS degree in Business Administration with a double major in Accounting and MIS from Indiana University of PA and worked as a financial analyst for Westinghouse Electric for just about 8 years. I made the incredible decision to go back to school and earn a degree in Composite Science , Secondary Education from the University of Texas at Austin and have been teaching Middle School Science ever since. I have also been fortunate in being able to teach a personal finance class for middle school students.  I have also recently completed the coursework that will allow me to sit for the CFP Exam.