One of the biggest fashion faux pas that women make is carrying one handbag for all occasions and with all outfits. The vast array of handbags available to choose from can be daunting, causing many women to just give up and use one style as a catch-all. And while some might say that having a handbag wardrobe is too expensive a proposition, shopping online at discount retailers makes it easier to get what you need without breaking the bank.

If you’re confused about what to carry when and with what, follow this guide.

* Tote bags. When you’ve got a lot to carry, you need a bag that won’t get overstuffed too quickly. It’s ideal for taking to the airport, or when you need to carry large-scale items like a portfolio or notebooks. Totes are such useful bags that it’s a good idea to have a couple: one casual and one polished. A canvas tote will be useful for everything from going to the beach to picking up last minute groceries. A more formal, structured tote bag can serve you on dressier occasions like job interviews, or when you just want a more pulled-together look. For a look that’s somewhere in between, Marc Jacobs handbags come in a multitude of colors (and even a magenta croc print) in a roomy tote iteration.

* Shoulder bags. You’ll probably get the most mileage out of a shoulder bag, since they are most women’s go-to bag for everyday needs. That might explain why so many styles are available, and why trends in this category can change fast. Right now, ladylike shoulder bags, small in scale and delicate in detail, are trending. Prada handbags are a great example of this and come in a variety of materials, from patent to sumptuous leather. A slouchy hobo shoulder bag is another staple to keep in your wardrobe – they’re particularly classic in leather, which will give them style longevity. Unless they are very delicate, shoulder bags should be your daytime workhorse, rather than an accessory for an evening event.

* Satchels. Another of the hottest current bag trends is the doctor’s satchel. Its utilitarian simplicity lends structure and a bit of masculinity to your look – you can easily pair it with a trench coat and slim black trousers for a pulled-together look, or pair it with something floral and flirty for some stylish juxtaposition. Gucci handbags are a great choice for satchels – the brand’s tendency toward classicism makes it a smart choice for a bag that might even become an heirloom.

* Small bags. Clutches, minaudieres and wristlets definitely don’t carry as much, but they’re just as essential to your wardrobe. If you’re going out to a formal event or just dressing up for a fun night on the town, these smaller bags won’t overwhelm the rest of your ensemble – they can just add an extra bit of fun. Timeless colors like black, gray, cream, silver and gold will serve you well, but a small bag punch of color in a satin print can be just as useful.