it's easy,if you set cpu back to stock clocks/voltages you will see the stock voltage of your cpu in the bios info page
usually its around 1.15v,this is set by intel and it varies from chip to chip as some need more/less voltage for the required clock speed
offset adds the small amount you set for example + to add +0.010v will add 0.0100v to the stock 1.15v only at cpu load making it 1.16v,
negative offset will take off the amount set in dvid/offset from the stock cpu vid so -0.010v will be 0.0100v off the stock cpu vid = 1.14v
you then have to take into account what level loadline calibration you choose as each level will also add an amount of cpu voltage ontop of the stock cpu vid and the dvid/offset amount
this is where it gets confusing as its hard to judge how much each llc level adds,so its best to start with a medium to high llc and small amounts of offset/dvid until your relatively stable
stress the cpu each time while looking in cpu-z to see what your load voltage is,if its too high use one/two clicks less dvid/offset or one level less llc
if its too low and crashes add one/two clicks more dvid/offset or one level higher llc
keep tweaking until your happy with temps/voltages and stable
you can use whatever level of llc and offset amount you wish aslong as you balance things out,so high llc=low offset amount or low llc and high offset amount
hope that made sense,it sounds complicated but once you get used to it it becomes simple,ive had mine clocked upto 5.3ghz using offset and all powersaving turned on in benchmarks
100% stable at 4.8ghz