OK, I will admit off the bat that some of these items might be a 'luxury' for other people. However, these are the things that I will not live without. Am not going to rationalize whether they are needs, wants, or luxuries. To me they are just basic and make my life a lot easier and more enjoyable.
* Broadband internet access ( I refuse to go back to dial up, plus I don't even have a phone line in the apt.
* Magazine subscription (Essence, Black Enterprise and Oprah). I have been a subscriber since college, so I still get the student rate.
* Annual vacation (some place outside the continental U.S)
These are the items that I can think of that I could cut out and save some money. I have made other steps to reduce the amount of money I spend each month, and these items are non-negotiable.