I have to tell on myself here.
If you have seriously stupidly said you will make a small quilt for a friend as long as she buys the materials, DON'T do it!!! I did and halfway through the quilt she changed her mind about the fabrics and wanted to go in a different direction. So I pulled from my stash but did not charge for for the fabrics or the aggravation. I also seriously undervalued my work. When she received the quilt, she didn't have the complete amount of money nor was she satisfied with the new fabrics which she had approved prior to cutting nor the quilting which she had approved of as well. She is still griping about the quilt. She did finally pay me.