I would love to be in a postion to negotiate a lower salary; however, it is us not possible at this time due to my current financial obligations. (Warning: answering in this way may be a risk - be aware that you may jeopardize your chances of getting the job. None the less, do not agree to lore if you will not be able to pay your bills. In the long run, you are better off continent to search for a job that provide as laree sufficient for your economic needs.
More