Abstract: This invention describes apparatus and method for constructing an outer garment capable of being converted to a tote bag. The coat comprises a full belt forming an upper half and a lower half. The lower half has a pair of deep pockets having zippered openings on the uppermost portion only. The uppeer half also contains a pair of deep pockets having zippered openings on both the uppermost portion and the lowermost portion. Snap hooks located on the back of the collar and the back portion of the coat in the area of the belt are adapted to snap together thereby defining an equal upper and lower half. The coat is folded about the belt portion and hooks located on the outermost portion of the deep pockets are connected together thereby exposing the upper deep pockets on one side of the belt and the lower deep pockets on the other side of the belt. The belt is adjustable allowing the user to wear the tote bag over a shoulder or to hold the belt as a conventional bag.