So far, I really like the product. Fanny packs have come a long way since the 80s. This fanny pack can truly be used as a fanny pack. over-the-shoulder purse, cross-body purse, or even a clutch. The inside has three slots for cards on one side and the other side has an open pouch for other things. I was able to put my phone/wallet case inside and still have room. Later I chose to transfer the things in my wallet to my fanny pack/purse. When I did that, I had even more room. The purse took place of my wallet and I don't carry my wallet anymore. I also have room to hold extra items like makeup, lip gloss, or tissues which might come in handy. The belt should fit most people. However, I am a 2X and I was able to use the last hole uncomfortabley. I raised it a little higher so it wouldn't be tight. No worries! You can use your own belt if the one provided does not fit. This means that you can either wear your belt on the outside of your clothes or you can wear your belt through the belt loops and still wear the fanny pack on the belt. This fanny pack does not come with a wrist loop to use it as a clutch, but you can buy something like that from any nickel and dime store that fits your style and add it to the loops purposed for the purse strap. The material seems to be of good quality. I do not think I will have a problem with that as long as I take good care of it. Lastly, what I like about this is that when I put my seatbelt on, the fanny pack can stay in place with interfering with my seatbelt. I don't have to remove it or try to stuff it between the seats, hoping it doesn't fall on the backseat floor. I really like this product and would like to get more in different colors. I would definitely recommend this to others and I have. My daughter will be buying one too.