The Harbor Freight multi-meter is sometimes free with a coupon and a minimum purchase. If you need a "sometime" tool or a one use tool, go there first. Most of the time they have coupon ads right at the door. And there is some really decent stuff in there.

As to tools, I carry a Leatherman sidekick most of the time, and have an EDC key ring with a small pry bar, a small SAK, a Gerber small tool, a flashlight and a lighter.

And Tes - why no nuts and bolts?