You're right, so much shipping cost doesn't help. I think I might be able to combine store 2 and 3. I'll attempt that later this evening. As for local stores, I know of no leather store in my entire state. I know Tandy has no store here, and if there is another leather goods store there isn't one within 2-3 hrs of my location. So you see why I'm ordering online.
As for charging for my time, above I replied to leatherwytch along those same lines. I think it took me around 4 3/4 - 5 3/4 hrs to complete the first belt. 2-3 hrs of that was design, etc... So that part could be knocked off. But this belt will be slightly different. She wanted an elastic wrap around part of the belt, instead of full leather. Not much to redesign there, and I already know how I intend on accomplishing this change. Hand sewing will add some time (I'm thinking an hour worth), so in total it might take me 3.5-4 hrs. So at $10 per hour (funny you mention that amount, I had already thought of charging that for my time) that comes to $35-40 for time and $77 for material, grand total of $112-117. Those numbers look odd to me, so I'd probably just charge $115. This is a pretty close friend, so I'll allow the lower cost. Anyone not as close, or a complete stranger, it probably would be around the $200 mark. I do on the side IT work, so I know all about getting what you're worth.
I really do appreciate everyone's help. Some others have sent PM's as well and I'll keep their suggestions in mind.
Thanks snubby, and that belt looks great. Tooling definitely adds time and therefore cost. My Papa made several ranger belts, and one of these days I'll attempt to make one for me!