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How do you keep your money safe in excursions?

Hi everyone, I’m a first time cruiser and I’m wondering how does everyone keep their money safe especially when you go to the beach / snorkeling trip? I’m going to Cozumel and have to carry a lot of money due to a snorkeling excursion (not through the cruise). So, I’m wondering what tips you guys could give me. I was thinking about buying a special bag or something that I can hide under my clothes so I don’t have to worry about carrying a big amount of cash and getting robbed. Also, in places like Cozumel and Belize (cave excursion),

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