Tote bags seems to be one of the most functional items in my life. It's no wonder that they consistently make my wish lists. I'm particularly liking the French lace accents on these bags by Tortilla Girl.
The last one, with the sweet grey/blue and white nautical stripes and the soft white lace might be my favorite. Prices range from $75-92.
UPDATE: Tortilla girl is offering 10% off any bag in her shop by simply entering "down and out chic" in the notes to seller upon checkout. Thanks Tortilla Girl!