Gazing into a crystal ball to come up with next year’s budget is always daunting. It’s a mix of professional instinct, historical data, and future predictions that’s never perfect.

It’s especially challenging this year when one of those three ingredients is missing: historical data. With the pandemic upending historical patterns, there’s no accurate year-over-year comparison, nor are there any reliable longer-term patterns.

As you round the corner into another budgeting season (already!), here are some ways to budget plan amidst ongoing uncertainty.

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