Me, I have two:
The first one is expecto patronum. I kinda say it with an "I" in the second word, like "patro-nee-um"???
The second one is sectumsempra, I just say it with a silent "T" for some reason >-<
(I think the reason for both of those is that that was how I heard them when I first saw the movies, and I started to say them that way, and now after two or three years I can't pronounce them any other way >-<)