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Adam Randall
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Thanks for all the responses, vigorous debate is what its all about:)

Ive picked up some good tips especially talking to the client at the half way point of the estimate, this is something that I have not done in the past.

I suppose to lead on from that then, what happens if the client says “no I want to pay what you quoted me” do you:
A) leave the job half finished
B) leave out bits
C) Complete the job and accept a pay cut.

What I think I would do in this situation is to maybe give each client one C each, at that point explain in detail invoicing procedures, if the same problem crops up, seriously look at them as a client.