The only time I made a quilt for pay was a t-shirt quilt, which involved cutting up the t-shirts and backing them with iron on interfacing before sashing and putting them together. I asked $10 an hour for my time, and I had the customer (a friend) come with me to the fabric store to buy the fabric for the sashing, binding, and back, as well as the batting. This worked well as she was able to see how much fabric costs nowadays. I think I'd charge more for my time now, but I resolved not to do anything like this again.