
‘I was earning £95k before I went on benefits. This is how I got back to work'
Jamie Walker always prided himself on his work ethic. He had worked his whole adult life, with jobs ranging from a potato factory to a roofing business. It was part of his identity.
He worked hard and became a small business owner, higher-rate taxpayer and family man. He may not fit into your stereotypical image of a benefits claimant.
At one point, Walker was earning close to six figures. But in 2020, Walker's life took a downward spiral, forcing him on to Universal Credit and leaving him extremely 'vulnerable'. Fast forward five years and he says he has finally come 'full circle' – but it hasn't been easy to get back on his feet.
At the age of 17, after completing a scholarship-funded course at drama college, Walker put his confidence and acting skills to good use in ambassadorial roles for drinks giants such as Bacardi and Diageo. He travelled the world, appeared on television and wrote several cocktail books.
Years later, after getting married and having four children, Walker traded in the high-flying lifestyle for a back-of-house role. He worked as a commercial director and head of marketing within the luxury spirits and wine industries, earning £95,000 a year.
Just after he broke away and set up his own business, ready to sell a 'really lovely portfolio of spirits', the Covid pandemic hit, forcing Walker's business – along with the rest of the world – online.
In the space of a couple of years Walker faced a 'tsunami of challenges'; he separated from his wife, his mother passed away and his business profits were eroded by Covid.
'My mental health was taking a good kicking,' he says. 'I developed an alcohol addiction as I tried to drown out the pain.'
'All I wanted to do was work'
In 2021, Walker started experiencing psychosis and hallucinations.
'Even at that time, all I wanted to do was work because I associated being able to provide for my family with who I was. But I was put into hospital on several occasions and it became very clear that I needed not to work,' Walker recalls.
He started getting the support he needed in 2021 and signed on for benefits. This involved agreeing to the terms to receive Universal Credit, which often include attending the job centre and seeking employment.
Universal Credit is a monthly payment for people who are looking for work, unable to work because of illness or disability, or in work on a low income. For single people over the age of 25, the monthly standard allowance is £400.14, but there are variables that mean you might get more or less than this.
In 2023, there were roughly six million people receiving the benefit in the UK, according to data company Statista.
While this state support can provide a lifeline for people suffering with illness – either physical or mental, like Walker – he recalls how 'bleak and austere' life on benefits was.

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles


Scottish Sun
2 hours ago
- Scottish Sun
All the shops closing this weekend including iconic department store shutting after 124 years
We reveal why the retail sector is struggling below SHUTTERED UP All the shops closing this weekend including iconic department store shutting after 124 years A HOST of stores are shutting for good this weekend including a historic department store. Retailers have struggled over recent years as shoppers' wallets and purses take a hit from high inflation. Advertisement 1 A range of stores are shutting this weekend Credit: Alamy An increase in employer National Insurance contributions and wage costs since April has added to the pressure. Combined with soaring business rates, energy and rental costs, some retailers have been forced to hike prices and even shut stores. It's worth bearing in mind of course that retailers close shops for a host of reasons and not always because of a poor economic backdrop. Sometimes chains will shut a poorly-performing branch in one area and open another further afield where they think they'll see better footfall. Advertisement Plenty of retailers are moving away from high streets and towards out-of-town retail parks too. In any case, five shops will shut this weekend including a more than 120-year-old department store. Here is the full list of shops we know are closing down permanently. Ginger Norwich-based Ginger will pull down its shutters for the final time on Saturday. Advertisement The shop was founded by David and Rodger Kingsley in 1978 following the success of their sister company Jonathan Trumbull in 1971. But current store manager Beckie Kingsley said the store will close due to the economic climate and aftermath of Covid-19. Britain's retail apocalypse: why your favourite stores KEEP closing down She said: "It's with truly heavy hearts that, after 46 unforgettable years, we have made the incredibly difficult decision to close the doors at our beautiful, beloved and historic Timber Hill home. "We've weathered many storms over the decades, but there's been ongoing challenges of today's financial climate - coupled with the lasting impact and huge shifts within the retail landscape since Covid. Advertisement "This led us to ask - does it still work for us? After deep reflection, the answer, sadly, is no." Daniel of Ealing Historic department store Daniel of Ealing, in London, will shut for good on Sunday, after opening 124 years ago. Prices have been slashed across homeware, fashion, toys, sportswear and shoes, with up to 50% off. Shoppers finding out the iconic shop will close have shared their dismay online. Advertisement One posted saying: "Loved this shop and it's top floor restaurant." While another added: "Ealing has lost its heart, soul and uniqueness!" The Works Stationer The Works is shutting its Margate store on Sunday, with shoppers' next nearest branches in Westwood Cross Shopping Centre or Ramsgate Garden Centre. A spokesperson for the chain said the decision to shut the branch had been made "as part of ongoing plans to optimise our store portfolio". Advertisement The move has been met with sadness by shoppers, with one online stating: "No I love The Works." Another dejectedly added: "Be nothing left in the town soon." Emporium Worthing Independent bar and shop Emporium Worthing is closing to the public on Sunday "with a heavy heart". The owners posted a lengthy statement on Facebook announcing the closure. Advertisement It said: "We share the challenging decision to close Emporium Worthing after five memorable years of serving you. "This has been a tough choice for us, but after careful reflection, we believe it is the best path forward and the right choice for us at this time." A huge closing down sale has been launched to clear stock, even including fixtures and fittings from inside. It's not all bad news though as the Emporium will be moving online and selling hardwares. Advertisement New Look New Look is closing its branch in the Northfield Shopping Centre, Birmingham, on June 8. A picture recently posted on Facebook of the shop window advertised the closure and signposted customers to the retailer's website. Customers finding out about the closure have been left gutted. One posted on Facebook: "Will soon be a ghost town, absolutely nothing left." Advertisement Another commented: "Online (retail) is killing shops." A New Look spokesperson said: "We would like to thank all of our colleagues and the local community for their support over the years. "We hope customers continue to shop with us online at where our full product ranges can be found." RETAIL PAIN IN 2025 The British Retail Consortium predicted that the Treasury's hike to employer NICs would cost the retail sector £2.3billion. Research published by the British Chambers of Commerce earlier this year shows that more than half of companies planned to raise prices by early April. Separately, the Centre for Retail Research (CRR) has also warned that around 17,350 retail sites are expected to shut down this year. It comes on the back of a tough 2024 when 13,000 shops closed their doors for good, already a 28% increase on the previous year. Professor Joshua Bamfield, director of the CRR said: "The results for 2024 show that although the outcomes for store closures overall were not as poor as in either 2020 or 2022, they are still disconcerting, with worse set to come in 2025." Professor Bamfield has also warned of a bleak outlook for 2025, predicting that as many as 202,000 jobs could be lost in the sector. "By increasing both the costs of running stores and the costs on each consumer's household it is highly likely that we will see retail job losses eclipse the height of the pandemic in 2020." Do you have a money problem that needs sorting? Get in touch by emailing money-sm@ Advertisement Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories


The Courier
7 hours ago
- The Courier
First look inside new Dunfermline world buffet restaurant Booffi
A new world buffet restaurant has opened in Dunfermline. Booffi has taken over the former Kinema building on Carnegie Drive. The restaurant is a fourth venture for the Glasgow-based firm, which also has venues in Clydebank, Forge Retail Park and Glasgow Fort. The buffet offers a variety of dishes from different cultures around the world, including Italian, Indian and Chinese. The Kinema, a former dance hall and nightclub, first became a world buffet restaurant in 2018. However, it was forced to close during the Covid lockdowns. The Courier was given a look around the new restaurant before it opened to the public on Friday.


Wales Online
13 hours ago
- Wales Online
Everything we know about winter fuel payment U-turn
Everything we know about winter fuel payment U-turn Although the news is welcomed by many, there is still some confusion over what the announcement could mean Charities and MPs were among those who hit out at the move last year (Image: Getty Images/Image Source ) Huge changes have been announced to Labour's highly controversial policy, which limited how many pensioners could receive the Winter Fuel Payment. Rachel Reeves said more people would qualify for the allowance "this winter", and Prime Minister Sir Keir Starmer said he wanted to widen the threshold for winter fuel in a U-turn on one of his government's first major policies. However details of the changes and who will be eligible remain unclear, with Sir Starmer failing to confirm how many people will now get it during Prime Minister's Questions on Wednesday. The payment - which is worth up to £300 to help with energy bills during the coldest months - was paid only to those on pension credit last year, but the policy was widely blamed for Labour's poor local election results. It saw 10 million fewer pensioners receive the money in 2024. Charities and MPs were among those who hit out at the move, showing concern for those whose income was slightly too high to qualify but then had expensive energy costs to pay. However, the restriction came in a bid to same save around £1.3 billion. Although the news is welcomed by many, there is still some confusion over what the announcement could mean. For money-saving tips, sign up to our Money newsletter here Here is everything we know about it so far. Article continues below Winter Fuel Payment means tested Last year, the Labour government introduced means-testing for the Winter Fuel Payment, meaning only certain pensioners over 66 would receive the money, rather than all pensioners. This resulted in over nine million UK pensioners losing the additional cash last winter. The move sparked significant backlash against Labour, which has persisted. Legal challenges have been launched against the government's decision, with charities warning it could push more elderly Brits into poverty. Research by Unite Union revealed that over two-thirds of its retired members had to reduce their heating last winter, a third took fewer baths or showers, and 16% had to cut back on hot meals due to the increased costs of trying to stay warm. The removal of the benefit was also linked to the rise in Reform Councillors in recent elections. Under the rules, you are eligible for the Winter Fuel Payment if you are over the state pension age of 66 and claiming one of the following benefits during the qualifying week: Income Support Income-based Jobseeker's Allowance Income-related Employment and Support Allowance Pension Credit Universal Credit What was announced this week? Although there have been no official announcements or changes today, one thing has been verified: Starmer's intention to increase the eligibility of pensioners for this winter's support payment. According to Jon Greer, Quilter's head of retirement policy, the Prime Minister's suggestion signifies a "notable shift in tone". Who will benefit from the U-turn? During Prime Minister's Questions, Sir Keir did not clarify who would benefit from the updated policy, despite acknowledging in a recent BBC interview that there was a pressing need for clarity. "We will look, again, as I said two weeks ago, at the eligibility for winter fuel, and of course, we'll set out how we pay for it," he responded when Conservative Party leader Kemi Badenoch queried about the number of pensioners, out of 10 million, who would have the allowance reinstated. The queries arose following Reeves' earlier statement that people "should be in no doubt that the means test will increase and more people will get winter fuel payment this winter". When will details be announced? Should the UK government wait until the Budget to announce the changes, it would be just prior to when payments are typically made. Eligible pensioners receive payments automatically in November or December. Under the current, short-lived system, individuals are required to claim pension credit - a top-up to the state pension for those on low incomes. Pressure from Welsh First Minister Eluned Morgan, who had previously urged the government to rethink the cuts to millions of retirees, welcomed the PM's surprise reversal on Wednesday. She says that Keir Starmer should now provide winter fuel payments to the "majority" of pensioners. Speaking to the BBC, Ms Morgan said millionaires shouldn't be getting the payment. She said: "I'm not sure if millionaires should be getting a winter fuel allowance. So let's just make sure that they don't get it." But Ms Morgan added: "People below that, that's where the conversation got to be. I do want the majority of pensioners - I think they made a massive contribution to the country." Martin Lewis comments The Money Saving Expert founder said he was "delighted" about the news, in a social media post.. He said it was worth "explaining" the two issues he had always had with the way that the Winter Fuel Payment means-test had been put in place. He said: "The first one is the level. Currently, for a single pensioner, only those earning under £11,800 a year get the £200 or £300 winter fuel help. Now with energy bills still high and other energy bill help being taken away, that really was a big hit to the pensioners who were just above that limit. "I'm hoping to see this limit increase from the current £11,800 up to £20,000 or more. Perhaps they might only do it and link it to higher-rate taxpayers." He added: "The means test that they linked Winter Fuel payment to was Pension Credit. Now, Pension Credit has long been a flawed benefit which has been critically underclaimed, and even now, after all the communication over Winter Fuel, there are still 700,000 eligible pensioners who should get Pension Credit and thus winter fuel payments who don't because they don't claim. "Often, it will be vulnerable people with onset dementia or people who just can't go through the complicated process, especially on forms, or the message hasn't been passed on to them as it's quite difficult to explain the level of income that you need to get it. "So let's just put that into perspective, 700,000 people who have a total income of under £11,800 a year are missing out on the Winter Fuel Payment, even though that's the level the government says they should get it. Article continues below "So my big message to the Chancellor is, don't just increase the threshold. You have to look at the means test mechanism to make sure that the most vulnerable pensioners in this country, if they have income below your threshold, actually get the Winter Fuel Payment. And my fingers are crossed they'll be listening."