You will find most people do not want to pay you for your time to make a quilt. Especially if you are doing ALL of the quilt. There are a lot of variables to figure in like: type of batting, type of backing, lite or dense quilting, size of quilt, and the like including what type of thread. You also need to consider how many hours you are putting in to complete the WHOLE quilt, and you need to include the time for finding the fabrics, cutting, layout, and measuring.
You do need to think about the pressure you will be putting on yourself. I've been making quilt tops since the mid 90's and longarm quilting for customers since 2000 and I still feel a lot of pressure.
Not that I want to dampen your spirits, you just need to consider everything.