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Yep $45 an hour is very low and like David said the rate should probably be more like $45/hr which also might be on the low side. I also agree about not charging per hour in general. I usually estimate how long something will take me and then multiply by my hourly rates, but give the client the price for the whole project.
Now if you want to make this more of a business it's a good idea to build a portfolio and in that case you may want to do a few sites for less than you could get just to ensure you can get the sites. Other than than when building a portfolio (or building a site for mom) it's best to charge what you're worth.
I've found it's a very good idea to keep track of the time it takes to design and build sites. The more you see how long it takes you to put one together the easier it is to estimate the next site.
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