IMO, you do many organizations a disserve if you do custom programming for them. They won't know what they want, it'll take longer to build than you expect and

IMO, you do many organizations a disserve if you do custom programming for them. They won't know what they want, it'll take longer to build than you expect and they won't be able to maintain it. Instead, provide consulting on how to use off-the-shelf software or existing commercial services to achieve their business goals. That way, when you part ways, they have a shot at actually being able to continue using whatever you introduced to the org. If you want to scratch the developer itch, do open source. Filing tickets, improving documentation, or actually contributing patches.