Clockwise from Upper Left, Aldo Anakardo Satchel ($55) // River Island Zip Bottom Slouch ($63) // Bungalow 20 Clutch ($48) // Aldo Halifax Satchel ($50) // Kate Landry Frame Clutch ($70) // Paul’s Boutique Maisy Satchel ($123) // Street Level Reversible Tote ($48)

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I subscribe to the idea that a woman needs three bags: a satchel, a clutch, and a tote.  One should be black, one should be gray or brown, and one should be a color or metallic.  If you have those, you’re covered.  These seven bags encompass the basics and add a few more choices in for good measure.

Satchels. The grouping features three satchels, two from Aldo (upper left, bottom right) and one colored satchel from ASOS.

The cognac satchel is a strong shape with two interior pockets.  It’s essentially a knock-off of the Michael Kors Sutton satchel ($328), which is a knock-off of the Prada Saffiano Satchel ($2,580).  The black satchel has an equally versatile shape, and also comes in cognac or ivory.  If you have a bit more to spend,  I think this Ralph Lauren dome satchel looks more expensive than its $248 price tag.

As for the colored satchel, I love a bright bag to offer a little something extra.  Red is my first choice color; this Kate Landry Satchel is a great place to start.  This bright neon is another good option.  And if you’re looking for something in-between, try this cobalt convertible satchel.

Want just a little color?  The trim on this Meg satchel is neon, it really sets off the grey.

Totes and Hobos.  For casual wear, I like a nice tote or hobo bag.  They’re also nice for work when you need to carry a lot at one time.  Navy is a neutral that is growing in popularity.  So if you own the black, brown, and grey basics, give navy a try.  The reversible tote above is a nice option, and I also like this four zipper tote for something with a bit more interest.

Grey is another solid option.  This zip-bottom hobo is a great bridge between casual and work.  This Sole Society hobo is another great option; I love the details.

I didn’t include one, but if you like the look, a crossbody would fall into this category.  Target makes a nice mini-satchel crossbody.  I also like this flap crossbody from Mossimo.

Clutches. There are casual clutches, then there are evening clutches.  They’re not very practical, but sometimes, on the weekends, I like to carry a large clutch instead of a tote.  The snake-printed clutch above would make a nice every day clutch.  I also like this oversize Sole Society Manuela clutch.

As for evening clutches, metallics are the most versatile.  This frame clutch is a nice choice.  I love the lucite clasp.  This pewter and black minaudière from Ivanka Trump is a more modern choice.  If you want something uniquely suited for summer, try this cork clutch from INC.

Do you have a bag you couldn’t live without?  Leave suggestions and tips in the comments.