I always have the person asking me to make a quilt for them meet me at the nearest quilt shop. I tell them how much yardage is needed for the pattern they want and then let them start selecting the fabrics. I then say we need batting, piecing thread and quilting thread. My cost to make the quilt will be 3 1/2 times the cost of supplies that you will buy today and you will get the finished quilt when your check clears or I have cash in my hand. This way if they don't pay me for my labor, I have a very nice quilt to keep