I usually just laugh and go, Oh No, it's too expensive. They usually back off then. But for family that wants a quilt and I genuinely don't mind making them one, I say go buy a yard of fabric in the colors that you absolutely love and send it to me and I'll make a quilt out of those colors. To date, I've never received a yard of fabric. It's too much trouble for them to buy a yard but they don't mind if I spend months and my money making something for them. It makes it easier to say no the next time.