What I carry really varies with the handbag size. For a small bag I need at a minimum a small wallet/change purse, sun glasses, cell phone, small pill holder with aspirin, my keys and one lipstick and one gloss.
When I have more room I use a bigger wallet (with checkbook), a cosmetic bag that has mini foundation, mini powder, small mirror, blush, powder brush, blotting papers, a couple of lipsticks, a couple of lip glosses, lip pencil, lip brush, in addition I have really small cosmetic bag which has small kleenex, hand sanitizer, couple of bandaids, breath mints, and a couple of travel stain removers packets. Peggy