productive me

Work is becomming the annoying chore in between living these days. I know that if i hate it that much then it's time to get out and find something else, and I'd started doing that, but full time hours in a place i'm used to is easier than looing for something which may be less secure. And I do so love the pay packet. mmmmcash!
Said paypacket is currently helping me feed my chainmail/swarovski crystal habit which i'm sorry to say has me dashing for the craft shop at the end of the working day (provided the working day actually ends at a time when the shops are still open) desperate for more jumprings, findings, crystals, beads, etc.etc.etc.
It is high time this became a 2-way thing. money in as well as money out.
My dilemma is two-fold, the first erm fold (!) being pretty simple to iron out (am i mixing my metaphors?). In order to sell stuff i must first have a place from which to sell it. answer: ebay or etsy. problem being i need a credit or debit card to maintain a profile on either site, even if i'm using paypal. solution: apply to bank for debit card. told ya that first one was easy.
Second fold is that I have no idea what I'm worth. I mean i can easily work out on paper what a piece of jewellery has cost me in materials, and i can even calculate the time it takes me to complete the same piece. The problem is what is that time worth? $5 an hour? $10 and hour? Should it be a percentage on top of the materials, or a set hourly rate? And what about the intricacy of a piece. I mean I can pretty well zone out and let my hands do the work for simple chainmail. But for composition and design, and more complex work I have to try harder. Is there a difference in what my time is worth then? And how do I justify the price I charge to someone who I'm charging it from for a commission that they've been kind enough to ask me to make because they like what i do?
argh.
btw, learning to make corsets is hard but kinda fun! I might try crochet next. mmmlacy