Change and a $20 bill:   In case your cell phone’s battery dies, it’s nice to still be able to use a payphone if you need to.   Also, the $20 is a great thing to have in case you lose your wallet or have some other mishap.   I’d rather be able to sit in a coffee shop or fast food restaurant when it starts raining while I’m waiting for my friend or cab ride, and a hot cup of tea or coffee or the beverage of your choice and a snack makes it all the more pleasant.  Just try to remember, this is for emergencies, and if you use it, replace it ASAP!
Mini Pump:   This actually goes on the frame of your bike, as it’s a bit too big for most under-seat bags.   Coming soon, we’ll have a review from Bill of his very favorite one, but a good pump is a lifesaver.    Some people instead carry a CO2 inflator, which is faster and easier to use but does require disposable cartridges, and each time you have a flat, you’ll need at least 2 of those cartridges.  There are combined pump/inflator tools that we’ll also talk about soon.
Keychain style flashlight or headlamp, LED type, not incandescent:   The keychain style is tiny and lightweight, the headlamp style is a bit bulkier but easier to use.    You can get these for a couple of bucks or less at the local big box hardware store.  The LED ones are lighter, more durable and last considerably longer.   Very useful if you need to make a repair after dark!  I keep a keychain style one as a backup as I normally have a headlamp in my backpack.
I just got a tune up on my bike and it rides so much better now! It takes half as much effort to petal, it is like a new bike. The guys who work there are so nice and always make you feel like your time is important. They don't overcharge or sell you things you don't need. I thought for sure I needed a new chain, but as it turns out, it's fine! He gave me some extra foam for my bike helmet, free of charge! I'll definitely come back here for all my bike needs!
Brakes come in a variety of designs depending on the age and style of your bike. Rim brakes offer more modulation but have less stopping power, so are more suited to riding on the roads. Disc brakes can provide huge amounts of stopping power so are best suited to off road riding, although ‘V’ rim brakes are also well suited to mountain biking. All brakes use a friction system to stop the movement of the wheel, so regular checks of the contact pads should form part of your regular cycle maintenance.
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