Looking out for your bank account is a good thing. In negotiations, if you're struggling to earn what you think you are worth, reconsider who you're selling to.
Mikelann Valterra, founder of the Women's Earning Institute, advises women to take another look at the common fear that clients or employers can't afford them (silly, eh?).
If you want to make more money, you need to work with a target audience who can afford to pay what you need. There simply isn't any other way to say it, or do it.
Mikelann elaborates on her blog here: Instead of discounting, try this to feel good about your full fee.