Yes, typically, I have packages - that start at a specific number for different types of photography - the families, seniors, weddings, special events. I do add travel costs into the pricing for distance, and I do take into account finances for specific clients. I allow for payments - prior to their session as needed. I take deposits on the 'bigger' sessions, i.e. weddings, etc.
Although in person is always best, it doesn't always happen like that. I love to talk to them, ask some questions, then listen carefully to what they want, they expect, and what they need. It is all taken into consideration - I am usually very personable with them, and always professional! I find that if they have already viewed some of my work, it helps to know what they like - not everyone is a fit for a specific photographer. If we weren't a fit, I would recommend another person/photographer for them to view their work. I take a lot of notes in our discussions - and include those in my working relationship with the customer. It helps to know something about your client. While, a new person is a potential customer, they become my client - much more to a personal relationship.
Having my camera with me all the time, is always a learning experience - you never know when that special photo opportunity will happen. I always follow other photography & photographer websites, and select tutorials and other learning materials for my continuing education. I seek inspirations for my growth as a photographer.