Wagga business owners are reeling from a brutal summer sales season, which was hit by a combination of drought and bushfire smoke.
It was a tough Christmas retail season across the board, with the latest Australian Bureau of Statistics report showing sharp declines in spending in every state except South Australia due to the bushfires.
The bushfires dealt a blow to Creative Business Furniture owner Peter Wood, who had to cancel some large kitchen jobs in Talbingo after the town was ravaged by the fires.
He said morale across the board had taken a hit, with months of drought compounded by months of bushfires.
"All these natural disasters bring people down - they're worried," Mr Wood said.
His business is still going strong, however there have been four Baylis Street businesses that were placed into voluntary administration this season: Harris Scarfe, Jeanswest, Ishka, and recently kikki.K.
Wagga Muffin Break owner Natalie Prestia said many of her fellow business owners had been feeling the pinch this season, especially the clothing retailers.
Mrs Prestia's shop donated money to evacuees in a bid to do their bit to support bushfire struck communities during this tough time.
"It's certainly challenging. You can tell customers are mindful of what they're spending," Mrs Prestia said.
"They're talking about a coronavirus pandemic, recession, dropping interest rates. The government is giving some people money, so hopefully they come and spend."
The stimulus package comes after the Australian Securities Exchange tanked in response to coronavirus fears and a suffering economy.
Mrs Prestia has managed to buy hand santiser for her staff in a bid to curb coronavirus risk.
Wagga Business Chamber has doubled down on their message to buy locally and support local business owners in the face of this tough retail season.