it depends if you're talking about it in every day stuff or trying to think of things to call it in erotica or while talking dirty.

in terms of every day stuff i call mine my bajingo, my vajayjay or my lady area (when i say lady area i make a hand motion - my hand makes a circle in front of the general area)

in terms of erotica i tend to get really really repetitive fast :P use the usuals and get out.