..If they flinch at T&M,you gotta make a good list of everything you'll be covering...receptacles,switches,luminaires,dedicated circuits,..etc...and total up ALL of the material you'll have to get..Leave room for error...then take each task,one by one, and estimate,as best you could, how long that particular task is gonna take you...whether it's snaking in a wire,hanging a box,installing a fixture,..(which by the way,I have the H.O. pick out and supply...sometimes it's easier that way..)Set an hourly rate for yourself,and consider that if you have help,and have to pay that helper..it should be included in your rate..Then total every thing up and you've got a pretty good ballpark figure to bargain with..Figure in your permit cost as well..Most of all,express that this is the price for the items covered..and any deviations or "add-ons" are at an extra cost..this usually discourages the H.O. from changing his/her mind 9,000 times throughout the project...I think that covers it...GOOD LUCK..take your time in figuring this out,..you don't wanna get stuck doin; something for free!!!
.."if it ain't fixed,don't break it...call a Licensed Electrician"