Shorts or Pants
In South Africa - which used to be a British Colony - pants are underwear.
In the US - shorts are usually underwear.
In South Africa, a 'Fanny bag' is a 'Bum Bag' because the other word is ..... well, we won't there.
So from an English/South African point of view, I always wear pants under my shorts as well as under my trousers and I carry a 'bum bag' or 'moon bag' around my waist.
Makes sense huh?