What I carry in My Saddle Bag

I currently carry a relatively large saddle bag. Since I ride with others frequently and am in general a helpful person I tend to carry a bit more than I would normally need.

Contents of my saddle bag include:

• 2 x Tire levers - Soft race tires are easy to remove from the wheel with one tire lever.  hard case tires need 2 levers.
• 1 x Inner tubes - These days they are usually not new tubes but patched and tested tubes.
• 2 x co2 fills - Because it is easy to waste one.
• 1 - co2 fill head - Should not need an explanation.
• 1 x Multitool - Rarely used while out riding.  I tune my bike bi-weekly so this is not an issue.
• 1 x Powerbar - In case I forgot to eat before the ride or the ride becomes longer than anticipated.  Just remember to rotate this bar out as they do expire.
• 1 x patch kit - Have not used it while out riding but you never know.  It is tiny and weighs nothing so why not carry it.

My saddle bag only gets used in case of emergency.

Items in jersey pockets:
$10ish dollars in singles
My ID
A credit card
Phone

All items in my jersey pocket are in one sandwich zip-lock bag with the front of the phone still usable.

Anything I may need during the ride is kept in my jersey pockets.