A pocket insert card is received within a pocket of a garment. A moisture absorbent or moisture wicking fabric sheet is attached to the card such that the sheet can be situated outside the pocket for cleaning purposes while the card remains in the pocket. The fabric sheet may be elongated and folded in face-to-face portions attached to the card. A hook and loop patch may support an object on the fabric sheet. A holder for a spare golf tee or pencil is provided, as is a retainer for a scorecard. The fabric sheet may be inserted into the pocket or may form the pocket body itself. The fabric sheet may also be used without the pocket, attached directly to the interior of a garment. A double sided snap may be used to mount a ball marker to the fabric sheet.