I don't know where that rumour of 10 grand for living expenses has come in, but unless you're planning to build yourself your very own gold-plated room to live in at Clearways then I'd say you could knock that down by at least a few thousand. I know HSBC have always offered £5k/year, but you don't have to take it - you can take less if you want to.
Having said that - to add to the figures posted by bonalste, don't forget to add insurance (which, according to these forums, has now rocketed to over 1300 quid, more than double what it was two years ago) and your class 1 medical (£330ish last time I checked).