Two water bottles
Mini- pump on the downtube
In a very small pack under the seat.
Topeak mini-tool
Spare tube
Patches
Lip Balm
(that's all that will fit in my seat bag, I MIGHT slide in my identification/credit card on occasion)
Hanging/wrapped through seat rails and around seat bag, a combination cable lock.
If I carry food, it's in my jersey pockets. I nearly always carry some cash in my jersey pockets. I really don't like much being there however, so I keep them relatively empty.
I have been known to raid a convienance store for refills on a long ride.
oh yes, and I attach my cell phone to the back of the seat bag via a strap on the bag. This works really well as I can reach back and get the phone without stopping (and return it)
John