Answer:
Though it be cold, I wear no clothes. The frost and snow I never fear. I value neither shoes nor hose and yet I wander far and near. What am I?
I have a bank, but no money. I have a bed but do not sleep.I have a mouth but cannot eat. What am I?
You use me between your head and your toes the more I work the thinner I grow.
In a tunnel of darkness lies a beast of iron. I can only attack when pulled back. What am I?
I cannot be felt, seen or touched. Yet I can be found in everybody. My existence is always in debate, yet I have my own style of music. What am I?
No matter how little or how much you use me, you change me every month.