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Over half of small business owners say they’ll be working on Christmas Day

Over half of small business owners say they’ll be working on Christmas Day


Forget feasting on turkey and kicking back on the sofa scoffing Quality Street, over half of small business owners expect to be working on Christmas Day as they battle to stay afloat during the cost-of-living crisis.


Rather than spending precious time off with family or friends, 59% of SME owners say they will be working on 25 December. More than half expect this to entail answering emails, and a third will be performing general business admin tasks like paying wages or checking invoices. 


Beyond the typical tasks, business owners listed varied responsibilities to be carried out on Christmas Day including caring for livestock, welcoming guests to hospitality venues, responding to medical emergencies, car and boiler breakdowns, and even servicing wind turbines.


The findings are from new research from ANNA Money, the AI-powered business account for SMEs, which has supported more than 100,000 UK businesses. 


While the majority of us will be making the most of bank holidays and using leave so we can take 10 clear days off - downing tools on 22 December til 1st Jan - the study found that 45% of SME owners plan to take only three days off during this time. Nearly three quarters attribute this reduced time off to the pressures of the cost-of-living crisis.


‘‘It’s more challenging than ever to run a profitable company so if anyone deserves a break over the Christmas holidays it’s SMEs, but our survey shows that many small business owners will be hard at it on the big day, sacrificing precious family time to keep their businesses up and running,” says ANNA co CEO Boris Diakonov. “As usual, I am full of admiration for these business owners, how hard they work and the huge contribution they make to our communities and economy.”


As of the beginning of 2023, the Federation of Small Businesses reported 5.5 million small businesses, accounting for 99.9% of the business population in the UK. SMEs contribute 61% of total employment and an estimated turnover of £2.4 trillion.


ANNA’s award-winning customer service team based in Cardiff will be on call and ready to help and support business owners 24/7 as usual during the holidays. Even if customers just want advice on how to cook a turkey - that actually happened last year! 


Results from a survey of more than 1,300 ANNA customers across the UK:

·  59% of SME owners anticipate working on Christmas Day.

·  58% will be checking emails.

·  32% will be engaged in general business admin.

·  45% plan to take only 3 days off during the festive season.

·  72% attribute reduced time off to the pressures of the cost-of-living crisis.



ANNA Money is an AI-powered business account and tax app designed to streamline financial management for SMEs. From generating invoices on command to chasing them til they are paid, receipt scanning and even helping to set aside the right amount of money for tax, ANNA’s aim is to make life easier for small businesses owners so they can focus on growing their businesses rather than doing boring admin. 


For more details, or further quotes or comment from Co-CEO Boris Diakonov please contact or reach her on 07876 391914.

Keywords: Christmas, Small Business, AI

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