Many of us are experiencing job failure and decreased working hours as companies close their gates in compliance with rules to prevent COVID-19 from spreading further. St. Louis Federal Reserve President James Bullard predicts that lay-off lates could reach 30% — higher than in the Great Depression and 3x more than during the 2007-09 crisis, Reuters reported. With so many people earning less cash and thousands more on the brink of being fired, it’s crucial now more than ever to concentrate on saving money and decrease spending. Subscriptions You’re presumably using your Netflix, Hulu and Disney+ subscriptions a lot now, but review your bank records to see if there are…