Many small businesses in Australia and New Zealand felt that this year had been more disruptive than the last, according to a new report. Financial advisor Findex surveyed over 500 businesses and found that one-third had been “significantly impacted” by COVID-19 restrictions this year, up from one-quarter in 2020. Business confidence for the year ahead also dropped, with 40 percent feeling confident about the future, down from 52 percent in 2020. However, two-thirds of businesses are estimating that things will return to “normal” in six months. Judith Treanor, the owner of online gifts and fashion boutique Temple and Markets, runs an annual pop-up shop for Christmas which usually brings in around 30 percent of her total yearly revenue. However, Treanor said this Christmas trading season is looking to be the “worst in memory,” with a lot of her stock, typically consisting of summer apparel and accessories, sitting on the shelves …