Answer:
I open to close but I close to open. I'm surrounded by water but I'm never soaking. What am I?
I am owned by the poor, the rich do not need me. If you eat me, you will die! What am I?
I have a neck and no head, two arms but no hands. I'm with you to school, I'm with you to work. What am I?
I am perfect with a head perfect without a head; Perfect with a tail perfect without a tail; Perfect with either neither or both.
I am a lunch money thief
No matter how little or how much you use me, you change me every month.