I don't count as a typical female, but I wear a thin clip-on money belt and a backpack.
I carry a backpack because I might buy something while hiking around town, carry teaching supplies to and from work (I hike a km each way from the songtheah stop to the beach side schools), a thin rain suit in case of sudden downpour, a copy of my passport and driver's license, a water bottle, my Galaxy Note 10.1, and few emergency herbs in case of losing my voice from being around chalk dust.