When a person says I will pay you if you will make me a quilt I seldom ever get to make it. I start by having the person choose the pattern, then I say ok the machine quilter charges this much for quilting, then we go to the quilt shop. This is a must do for me. It doesn't take long for the person to realize all the gorgeous fabric cost a lot of money especially the backing fabric. I will not use less then quality fabric for quilt I am getting paid to make. I say if you are overwhelmed with the color choices then think about it for awhile and call me. I have never gotten a call back for a bed size quilt. This way they know I'm not over charging because they see the cost even before I add my labor cost.