In my
"every day" bag (mine is black), I have: wallet, phone, keys, pen,
clutch pencil, rubber (
eraser! ), LED pen-torch (USA:flashlight), "
Hipster PDA", sunglasses, microfibre cloth, small spray bottle of cleaning fluid for glasses, computer screens etc., 3m retractible steel tape-measure (for measuring
rack-space etc.), small flat all-stainless steel lock-knife (like
this, except mine lacks the flashy logo and belt-clip), pack of tissues,
couple of disposable vials of eye-drops, a couple of doses of Panadeine caplets, Kindle (entertainment reading, reference books, and various useful documents I have converted to .mobi format), iPod, ear-buds,
hardback notebook, ancient second-hand
HP16-C (that I shamelessly wheedled out of an old grognard at work on his retirement), thumb-drive, hairbrush, nail-file, sanitary pads, a few cosmetics (lippy, blush, eye-pencil), tube of sunscreen.
In the
saddle-bag on my bike, my standard load-out is: rain-cover for saddle, rain-suit and helmet-cover for me, two spare inner-tubes, tyre-levers,
pump, adjustable spanner (USA:wrench), pedal spanner, ratchet screwdriver with range of bits (slot, Phillips, Allen key) in handle, chain tool, special spanner to fit the "security" nuts and bolts that hold the expensive components of my bike, a roll of gaffer-tape, several nylon zip-ties (the cyclist's friend), a few pairs of nitrile gloves, a rag, emergency back-up front & rear lights with batteries, small bottle of Betadine antiseptic, a few adhesive dressings, bike locks.
My whole saddlebag
unhooks from the seatpost in seconds, and has attachment points for a harness so that I can wear it as a backpack. I use a
handbag insert, so that I can quickly transfer the core items from my "everyday bag" into the main compartment of my saddlebag when I don't want to carry both with me.