I found the coolest solution it is called a "Wallet Bag" by Baggalini. It can be worn around the waist, strap is very (plus size no problem) long and adjustable, or over the shoulder, it is small, slim and lightweight, it zips open like a wallet so everything doesn't fall out. It will hold, money, credit cards, digital camera, cell phone, lip balm and ponchos - I test drove it at the baggage store and then ordered online. For my DH & DS we got shorts and Addidas pants that have the velcro pockets at the knee for their wallets and cell phones.
We also have a camera bag fanny pack that holds all our equipment that we use periodically(not everyday) when we are taking all the cameras (large SLR, smaller digital and the Handycam).