Yesterday I accepted an admin role (I didn't sign any contracts yet regarding the salary amount) for about $5K less than I'd like. I was told I would get an annual raise but that's not likely going to be more than a few cents here or there anyway.

I was offered $39,500 and only countered $40,000 out of fear if I went higher they'd decline and offer the role to someone else.

As you all know, I am in a tight situation having just moved my mother into memory care after living w/her and not working for the past year, and living w/a temporary roommate who needs me out of her place by Oct 1st.

My question: is it unreasonable to email the hiring manager to ask for a higher salary like $42-43K a year instead? Or, do I have to accept my $40K salary as "is" although I haven't signed official hiring paperwork yet.

The reason I'm asking is that after taxes and the monthly healthcare premium, my gross monthly income of $3,333 will be reduced to a measly $2620 a month.

I am GRATEFUL to have a full-time job (any job) right now. Because, I can continue to look for my "perfect job" while I have this job for the next couple of years at least.

So, is it too late to renegotiate my salary expectations?