It's hard to know what to charge because a lot of time when people find out how much things cost they don't want it. I've had that happen to me with my baby crochet sets they love it but find out how much and they never come back. My advice to you is tell her how much the materials will cost and then see if they still want to do it and then make sure you tell them x amt of $$ for labor. I would really try hard to get at least the cost of the materials so they show they are really interested. You don't want to finish it and they say oh no I can't afford this. It is very hard sometimes especially if it's a friend or a co-worker I got stuck a couple of times with co-workers and then it makes you leary to do anything. Most people seem to be pretty good. They just don't realize the work and expense in a quilt or other hand work. Good Luck. Sue