I have been offering support to my family for years... for free. I'm finally about to bring on a family member as a real client since the project at hand is very large. It's a touchy subject for me and I'm still not fully comfortable charging (although there will be a substantial "family discount"). The main reason I want it to be an official project is to reduce any back-and-forth that could occur and too many unnecessary changes.
I'm glad to know I'm not the only one who struggles with this issue!