The only time I charged someone to make a quilt was for a t-shirt quilt. Everyone has a stash of old t-shirts that have special memories, and they all want a t-shirt quilt when they see mine. I finally learned not to say, "Sure, I'll make you one." I have a bag full of t-shirts in my storage now waiting to be my next project, for a friend, no charge-It was a weak moment!
I just posted in another thread about charging for t-shirt quilts. I've only been paid for making a few, which I spent the money on fabric stash!