1) 3 months of my cable/internet bill = $300 (1 month past due + 1 or 2 possible months)
2) I need a phone. My old cell broke and now I do not have a cell or land line at all. I need one for work. So, $99 for phone and then about $50-60/mo for monthly contract. (unless I get a no-contract phone)
3) Utilities (gas + elec.) = $400 to $500 for last 2 months and maybe 1 more month
4) Personal care items = $100 not classified under "normal personal" items ... (ie - prescription anti-acne cream ... I get bad acne that does not go away, it leaves permanent scars on face once I get it)
5) A start-up cost for a small personal online business venture that may yield possible future income = $250 (might be considered "gambling" or not likely to succeed)
6) Gasoline and minor repairs for car.
7) Alcohol (I know its bad, but I am an alcoholic as of late since losing my job a few months ago. I have also lost a close friend who I was very close -like brothers- for 3 decades. Lately, I cannot stop drinking, and cannot go more than a day without booze. I know I need help but I cannot afford medical care, to get treatment even under Obamacare. Free type of treatment isn't going to work. I am going to need meds, etc ... )
BTW, I spend about $200/ mo on booze. I know, I opened myself wide open for ridicule here, so go ahead feel free to chastise me for this. But, honestly, I can't help myself.
Not sure if #3 and 6 are luxury, but I'm sure the rest would be. There may be a few more smaller items but not totaling more than $100 or so.
I have discussed a few of them with him, and of course, he told me not to use my credit cards at all any more. But b/c I am working only part time since I last spoke with him, my money situation is way more tighter than I had anticipated, or what he and I discussed.

