Don't under estimate what your time is worth. When I was working my hourly rate was over $20.00 an hour - why would it be any less now that I'm sewing. Just let her know it could take X number of hours to cut fabric, X number of hours to sew, X number of hours to layer and baste, X number of hours to quilt, X number of hours to bind. Then she can decide if she wants to "pay" that much for a quilt. Good luck