Answer:
What do people spend a lot of money on every year, but never want to use?
I am in the past never in the future. I don't exist but have existed. I saw what you saw and that is what I will ever see.
It's in your hand though you can not feel it. Only you and time can reveal it.
What has a neck but no head?
You throw me away, I find my way back. Traditionally, I'm wooden with an arch in my back. What am I?
I stay where I am when I go off. What am I?