"I can't put it more simply than that. This has been an really difficult year for a lot of businesses and I think we might lose some more independents in the coming months.
"This year I've had months where I've paid my staff instead of myself. For the first time in ten years I'm having to question whether I can afford to pay my staff a Christmas bonus.
"Such a small change in habit can have a massive difference. Even if it's just buying a bag of coffee beans or a gift card for an independent restaurant over a chain - it makes a massive difference."