PlanoDebbie, has the right answer for you. At one point, I considered making T-shirt quilts and went through everything you have discussed. I take an electric (non digital) clock and put it on a power strip with rocker switch, that way I can flip the switch off if I get a call, take a break or whatever. When I goback to work work I turn it back on. Oh yes, start it at 12. At the end of the day, I write down my hours. $300-$350 is the fair price. I have learned to supply the fabrics etc based on their color request unless they are good sewers and know quality. You will not be happy if your customers bring you stretch denim (I had that happen from a long term quilting customer who did beautiful work). She is getting older and didn't remember about stretch just bought what she thought was denim cause she liked the color. Most of the time, because I'm a longarmer, I just offer support while they piece the quilt. If they are determined I do it - the fee is $15 an hour + supplies. I tell them right at the beginning I don't think they realize how long a quilt takes or how much it costs for supplies and it would be better for them to do the sewing.