oy! A queen size on a sewing machine -- I'm not sure I would ever recover. There are some mid to long arm machines out there that are affordable. But the question here is making money quilting -- yes, you are charging too little if you are in it for making money. If you want some spending money and love what you are doing, then I'd say you are about right on. You won't make money doing it for the prices you are charging. At least that is my experience.