The secret to making money at anything is to start with a product that people want, and can't or won't make or find somewhere else. You can keep your costs low by following the suggestions here (I stalk Craigslist, myself), and your labor costs will go down as your skills improve.
Are you really 13? If so, start looking for things people use (or might want to use) at school. Textbook covers, book bags and locker organizers might be useful, and sell-able if you can get them down to a reasonable cost. The advantage there, too, is that you don't need large cuts of fabric (read: $$).
Quilting for money seems like chasing smoke to me. But quilted items might be a way to try!
Last edited by JulieR; 01-16-2013 at 07:45 AM.