MM, I've been quilting about the same time as you and someone asked me the same thing and I, like you, didn't know. So someone told me to charge what you think your time is worth + supplies. If it's for MY family, then I don't charge. If it's for a friend, not as much as I would the average Joe Blow from town but definitely something. Sorry I couldn't be much help either but you really do need to decide that on your own.....what's your time worth??