Our LQS's bom was $5.00 for the first month. As long as you took in the block from the month before (on time!) you got the next block (fabric and pattern) for nothing. If you skipped a month you had to repay the $5.00 but then continue for free - you were given one 'free' month if you couldn't make it. If you wanted to pay a $5.00 a month you could get the fabric/pattern for a second block each month (Making the total 24) (12"). At the end they gave examples of layouts... if any sashing was added you had to pay for it and the backing/binding. But for less than $100 you had a quilt at the end of the year (If you did just the one bom)