September brings a lot of things–the end of summer, the start of a new school year, the halfway point of hurricane season, and the end of third-quarter 2010. Many businesses are budgeting for 2011, already projecting what the new year will bring, anticipating wants and needs and looking ahead to what their customers may face in the months ahead.

It’s a considerable shift from what was predicted at the beginning of 2010, when many of the experts were foretelling an economic recovery this year. The stock market was up, businesses were slowly adding jobs, and the general consensus was that the grim days of 2008 and 2009 were receding in the rear-view mirror.

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