I have a combination cardholder/money clip that is thin and works well for holding debit/credit cards, driver's license and bills. I have a small Crown Royal bag that I carry in the sporran for coins and other small items.

That leaves my cell phone and keys. The keys fit easily in the sporran. The phone does, too, but I often carry it in a holster on my belt, just to make the sporran less cluttered. I've never had any trouble carrying everything I need in a standard sporran, or getting to it when I need it.