I have a strange habit of buying too little of pretty jersey, but here’s a solution: loop scarves (howtos for one colour, two colours). The flowery one is actually made from two fabrics, but the black jersey is not as interesting.
The violet one is 160cm long, which makes for comfortable wrapping around. The other loop is only 140cm long which is almost too short (and no, my head size is not the problem).
And a small bag like this one, made from black twill with pretty lining
I don’t add tote straps because I prefer using the shoulder strap. Also I’ll create the inner pockets from folded lining fabric to achieve a sturdier construction (more layers -> less floppy)
The bottom gets boxed corners.