1. Do not carry all of your money on you: Carry some of the cash in your purse/wallet and put the rest in a hotel safe. I generally like to split it up into three piles. I have two wallets in my purse with one of them being my emergency one just in case the other gets lost. I then put the rest in the hotel safe. Some people use a money belt, which is something that is attached around your neck or waist and underneath your clothes. I personally don't like using them because I think they looks obvious and they're uncomfortable, but I know some people who really like it.
2. Do not take out a huge wad of cash while you're paying for something: You become a target when you're showing a lot of cash and being totally obvious about it. When you pay for something, only pull out one bill.
3. Have small bills: It's fine for you to carry large bills around, but some places I've been to don't like breaking the big bills. If you're having a hard time with that, I would recommend trying your luck in a touristy location.
4. Don't forget to use the coins: This goes especially in Europe because there are no paper euros below $5. They have 1 and 2 dollar coins that they love to use, and your bag might be heavier with all the coins you're carrying around but forget to use. Don't forget to pay with coins first because if you want to exchange your money back into your currency, coins are generally not accepted.
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