While The Lion King painted a very rosy picture of the circle of life in our minds, adult life made sure that all our dreams and aspirations come crashing down. Working becomes one of the biggest challenges in adult life and if you can't get paid enough for what you do; what's the point, right? When we spoke about the challenges faced by youngsters who are exploited by companies in the form of unpaid internships, there were a lot of people who were quick to point out that even full-time jobs aren't paying well to a lot of individuals. And then we thought, maybe that's because not a lot of people are aware of what to say during negotiating for a better pay. We've compiled a list of a few phrases that you should definitely avoid while negotiating for a pay salary:

7. "I am already suffering from a financial crunch. The loans are taking a toll on me and my salary seems insufficient to support my needs."

A hike in your salary should be based on merit, and not your personal problems. If you haven't done anything worthwhile to deserve a raise, why would you get one?