I keep a shovel, fishing pole, net, slingshot, and watering can on me, with the shovel almost always equipped. As for money, I keep under 50k. If I top 50k, I deposit it in my bank. Then I stow away two axes, a megaphone, and my wetsuit in my mail. I have perfect town ordinance so I should probably put the watering can down... but it's a force of habit from older AC games.