It depends on what I'm wearing. If it's cold out, I just wear it on my hip and wear loose clothing over the top. I usually clip my badge next to the holster in case my shirt gets pulled up.
If it's summertime, I wear it in a fannypack. Yeah, it's obvious, but it's better than <i>not</i> carrying it. Plus, I have a small .40 cal with a 3.5" barrel, so the fanny pack is realitively small. I've tried shoulder holsters, but I have yet to find one that is comfortable. (I'm a bit skinny too...)
Do not carry the gun in something that you will set down, ie purse, day planner, backpack... The gun should be on your person and in your direct control at all times...
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