I see questions like this every week on the site. I have to say I do make quilts for others. If I purchase the fabrics, I charge the cost of the fabric plus tax and round up to whole dollar and add between 5-10 dollars for my time. If I need to drive a distance over 10 miles, I also will add the cost of gas to the figure. I do give the customer the option of picking up the fabrics themselves, I do give them the yardage needed for the complete quilt. I then charge $15 an hour to sew the quilt top (and I keep a complete list of starts and stops while sewing.) For quilting I charge the long arm quilting fee and if I do the quilting I charge a reduced rate for binding. I break the amounts for my time before I start the quilt. I estimate the time for sewing and let them know it is just an extimate. I do ask for 50% deposit before I start and once started it is not refundable. I so far have not been burned by a customer and have had some customer decide a quilt is too expensive and will think it over. I guess if they decide not to have a quilt made, that is their choice.