Abstract: A scarf or shawl comprises a garment with interior and exterior surfaces. The interior surface contains a plurality of pockets with closures for securing contents. A pair of fastening devices is attached to the garment for holding the garment to the wearer's other apparel. The scarf or shawl may be worn in lieu of, or in addition to, a jacket, coat, handbag, or wallet. The garment may also be worn in reverse, with the pockets facing outwards.