I think this is my favorite bag of all time and I've had A LOT! I liked the black so much that I bought another one in brown. It includes a full square wallet, 3 small zipper pockets, 2 calendars, tissues, iPhone 5S, pen, keys, etc. etc. It can be worn over the shoulder or hung on the shoulder. Or you can carry it by the handle as usual. (I tie a long strap to shorten it, but it can be removed entirely when you're sure you won't need it.) Two zippers keep it secure, and I keep my phone and calendars in the external compartment .
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