riding to work.?
secure lockup or the very best D-lock you can afford for the rear wheel/frame/bike stand
and a cable type lock for the front wheel/ frame/D-lock loop
tyre levers
spanners to get wheels off
spare inner tube and puncture repair kit
good pump or CO2 capsules and an adapter
pannier or saddlebag [not a rucksac] with change clothes
ladies padded cycle shorts - a ''must'' - dont wear undies
padded gloves - dampens road vibration and in case of a spill
good helmet - Specialised or a Giro Havoc
winter before you know it
waterproofs
lights and reflectors
----------------------------or take the bus.!
and have Fun