Andy, I work for free from my home after spending decades in the bike biz. The reason is that I fear when I start to charge a fee for a service I am then liable for that service and any mishap connected to it. I could lose everything through a legal action should something happen to a bike I had worked on. Fortunately long ago I established ground rules with my neighbors and friends about working on their bikes and they have no issues with me answering "No" for a requested service from out of my home.