There has never been a greater need to save money if you are a UK homeowner than right now. According to the latest figures, the UK's total personal debt sits at £1.43 trillion*. That's a lot of debt - and that's why more people need offset-mortgages. They are the perfect vehicles for saving, and saving, and saving - in fact, with offset-mortgages, saving makes you so much money you will not be able to stop. So If you want to avoid the trillions that hold back millions of Brits, choose offset-mortgages.

It's not easy to save, but if you think it's time to really get to grips with your money, offset-mortgages are the answer. As the cost of living rises in the UK it has been reported that around a fifth of Brits are not saving or are unable to save any of their monthly earnings - which means the debt time bomb keeps ticking. Also, even more sadly, a tenth of the UK population who did previously work hard to save have had to stop over the past six months and have started dipping into their existing savings to meet monthly bills**. This has to stop with offset-mortgages.

Offset-mortgages reward saving because every penny saved is one small step closer to a lower monthly mortgage payment - money offset against your mortgage acts as collateral, and reflects a lower rate. So more money means lower bills - offset-mortgages give you the chance to be able to afford to let that nest egg grow. All it takes is a good offset deal, some wise spending and a constant eye on your money - it might seem like hard work, but in fact with offset-mortgages it's your money that's doing all the hard work.

There are also double savings to be had - any money moved from a savings account to offset-mortgages does not accrue interest, which means it does not accrue tax. And there is nothing worse than seeing any small amount of money carved up for the taxman - not with offset-mortgages. No interest means no tax, just more savings.

In fact, saving with offset-mortgages can just keep helping you out - the lump sum can be used to renovate, recondition your property or even buy a new property - and we all know there is no better way to make money like investing in property. And as you save for the work, you are lowering your bills, then once you spend some of the lump sum, and the rate goes up, you can find security in knowing that you may have added some value equity to your property.

Essentially, offset-mortgages are great saving devices because they reward the saving process. So it doesn't feel like hard work, and you can still keep up with rising costs of living. Choose offset-mortgages to allow you to look back at that £1.43 trillion and know that you are safe from debt problems now and in the future.

* May 2008 Statistics from credit charity Credit Action, www.creditaction.org.uk

**All information courtesy of credit agency CallCredit, May 2008