Deb, you said that you have no time to make anything for you or learn new techniques. It doesn't make sense to start charging them. You STILL won't have time for you. You need to firmly learn to say no. When you aren't working you should be able to have time to enjoy this wonderful art for the happiness it brings you. Sounds like it's turned into a job and that isn't good.
When I don't want to do something I don't think of a million excuses anymore. I just nicely say " I'm sorry but I can't".
It's a very freeing feeling once you do it a couple of times.
Now go make something for you!! :D