I agree with you, Giz! I suspect that a LOT of people get 10g tanks, overstock them without understanding of the nitrogen cycle (I did

). And when their fish all die a couple of times, they give up.
Adrianne, it's worth looking into. As is the 1 Gallon Rule - because it really isn't a 'rule' at all, and your guppy tank
IS overstocked. Even if stocking wasn't an issue (it still is), the needs of the fish are to be considered as well. Guppies are very active little guys, and they simply do not have the room they need to swim about in a tank that small :( Same goes for the frog.
We're not trying to attack you, or upset you in anyway - it's just the truth about the needs of your creatures, and if you can't meet their basic needs right now, you should re-home them or give them back to the shop and give them a chance at the life they deserve. One day, you'll be able to afford a proper set-up. . . but I'm afraid that day might be too long in coming for the fish you have right now.