Yes to charging what your time is worth and for the supplies. Good points already made.
I am fortunate to be able to use my stash and am seriously attacking that stash before buying. One quilt shop that I frequent has a 1/2 off room...and I've lucked out on finding just what was needed. Most of my quilts are for friends and family. The charity quilts are usually made from "leftovers" or else donations that people place on the free table at our guild.