Who says clients don't pay for modeling?

[dgavin]

Jason,

You don't have to charge for overhead you don't have. You are also right on about turning away "cheapskates". I have a few basic philosophies:

I'd rather not get a job than get it and wish I hadn't.

I can stay at home doing nothing and not make money. Why should I work and not make money?

You should only get about 1/3 of the jobs you go after. (except for repeat business in an ongoing relationship charged correctly to begin with) If you are getting too much more your rates are too low and visa-versa.
We all start a little lower than we should when starting out but be careful.
Clients won;t let you "grow up" on their dime!