Wear a neck pouch instead of a waist pouch during summer as it would be really sweaty and hot. A neck pouch is good because the length is adjustable and I usually wear it like sideway inside my clothing. When carrying a handbag always carry sideways and pull the bag to the front and cover it with your hands or use your cardigan to wrap around the bag. Always ensure the zipper is closer to your body than to the surroundings. All credit cards and passport should be in your neck pouch. U can carry a simple wallet but the wallet should not have too much cash. If your handphone cover doesn’t have a hole to put a strap, can use a sticky handphone ring stand on your iPhone cover and attach a wrist strap to it.