In the past while contracting I was usually asked to include in my proposals estimates for tests.
The tests failed to be useful, simply because they were written after the feature was actually implemented! We knew better, of course, but this was done in order to quickly get builds a client could look at.
Then when clients wanted to add/change features guess what got cut to make up for the time? Thats right, the tests!
So the tests were always secondary, and the projects tended to suffer as a result.
Recurring "fixed bugs" cost more than just working hours to fix. In the eyes of a client or customer, they are so much worse than a shiny new bug. Tests can help catch recurring bugs before a client/customer does - and save you not only time, but from losing your customers confidence.
Now, I'm building my own app and I'm using a diciplined TDD approach. I didn't start my project this way as It seemed overkill when it was just me. But I saw early on that to not practice TDD even solo was madness. It is taking longer, but my actual progress is consistent, and I'm already far more confident about the stability of the app.