{"id":5277,"date":"2025-08-14T11:38:57","date_gmt":"2025-08-14T10:38:57","guid":{"rendered":"https:\/\/meic.cymru\/?page_id=5277"},"modified":"2025-08-29T14:35:36","modified_gmt":"2025-08-29T13:35:36","slug":"cyllidebu-a-chynilo","status":"publish","type":"page","link":"https:\/\/meic.cymru\/cy\/cyllidebu-a-chynilo\/","title":{"rendered":"Cyllidebu a Chynilo"},"content":{"rendered":"<\/div>\n<div  class=\"getting-help-content-block\" style=\"\">\n\n    \n\n    <div class=\"container-narrow mx-auto container lg:mb-20\">\n        <div class=\" py-12\">\n                            <img loading=\"lazy\" decoding=\"async\" width=\"264\" height=\"255\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/Untitled-design-41-1.png\" class=\"mx-auto\" alt=\"\" \/>                    <\/div>\n        <div class=\"\">\n                            <h1 class=\" text-center\">Arian<\/h1>\n                \n                    <\/div>\n    <\/div>\n\n    <div class=\"container mx-auto\">\n\n\n        <div class=\"flex items-start flex-wrap justify-between\">\n            <div class=\"\">\n                                    <h3 class=\" \">Dewis is-gategori isod<\/h3>\n                                            <\/div>\n        <\/div>\n    <\/div>\n\n    \n        <div class=\"container complex-accordion mx-auto pb-20\">\n\n\n            <div class=\"flex items-start flex-wrap justify-between\">\n                <div class=\"lg:basis-1\/4 lg:w-1\/4 lg:pr-12 lg:pt-12 w-full\">\n\n                    <!--                    <div class=\"block accordion-trigger active mb-4\">-->\n                    <!--                        -->                    <!--                    <\/div>-->\n                                            \n                                                    <a href=\"https:\/\/meic.cymru\/cy\/budd-daliadau\/#accordion\"\n                               class=\"block accordion-trigger mb-4 \">\n                                Budd-daliadau                            <\/a>\n                                                                    \n                                                    <a href=\"https:\/\/meic.cymru\/cy\/cronfa-ymddiriedolaeth-plant\/#accordion\"\n                               class=\"block accordion-trigger mb-4 \">\n                                Cronfa Ymddiriedolaeth Plant                            <\/a>\n                                                                    \n                                                    <a href=\"https:\/\/meic.cymru\/cy\/cyllidebu-a-chynilo\/#accordion\"\n                               class=\"block accordion-trigger mb-4 active\">\n                                Cyllidebu a Chynilo                            <\/a>\n                                                                    \n                                                    <a href=\"https:\/\/meic.cymru\/cy\/dyled-a-chredyd\/#accordion\"\n                               class=\"block accordion-trigger mb-4 \">\n                                Dyled a Chredyd                            <\/a>\n                                                                                <\/div>\n\n                <div class=\"lg:basis-3\/4 lg:w-3\/4 w-full\">\n                    <div id=\"accordion\" class=\"accordion lg:bg-grey h-full rounded-[3.5rem] lg:p-12 pt-6\">\n                        <div class=\"acf-innerblocks-container\">\n\n<p>Cyllidebu ydy rheoli a gwneud cynlluniau gyda dy arian. Mae\u2019n sicrhau bod gen ti ddigon o arian i dalu am y pethau hanfodol, neu os wyt ti eisiau cynilo am rywbeth arbennig.<\/p>\n\n\n\n<p>Mae cynilo arian yn golygu cadw ychydig at y dyfodol yn hytrach nag gwario popeth yn syth. Efallai dy fod di\u2019n cynilo am rywbeth penodol, neu ar gyfer cynlluniau\u2019r dyfodol, neu rhag argyfwng.<\/p>\n\n\n\n<p>Os wyt ti eisiau rhagor o wybodaeth am gyllidebu a chynilo arian, gallet ti geisio siarad ag oedolyn fedri di ymddiried ynddynt neu gysylltu gyda ni ar linell gymorth Meic.&nbsp;<\/p>\n\n\n\n<p>Gallet ti hefyd edrych ar un o\u2019r gwasanaethau isod am wybodaeth neu gymorth:<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.moneyhelper.org.uk\/cy\" style=\"background-color:#985aa4\" target=\"_blank\" rel=\"noreferrer noopener\">Helpwr Arian<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.llyw.cymru\/help-gyda-chostau-byw?_gl=1*wg48we*_ga*MjMwNjgzNzAxLjE2OTUyOTQ4NTk.*_ga_L1471V4N02*MTY5NTM4ODUxNy42LjEuMTY5NTM4OTc2NS4wLjAuMA..&amp;_ga=2.235728961.1514652548.1695294860-230683701.1695294859\" style=\"background-color:#985aa4\" target=\"_blank\" rel=\"noreferrer noopener\">Cael help gyda chostau byw<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/sheltercymru.org.uk\/cy\/housing-advice\/advice-for-young-people\/emergency-help-with-money\/\" style=\"background-color:#985aa4\" target=\"_blank\" rel=\"noreferrer noopener\">Cymorth gydag arian mewn argyfwng<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.moneysavingexpert.com\/banking\/budget-planning\/\" style=\"background-color:#985aa4\" target=\"_blank\" rel=\"noreferrer noopener\">Cynllunio cyllideb (MSE)<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Mae yna lawer o flogiau ar Meic. Dyma rhai ohonynt sydd yn edrych ar gyllidebu a chynilo:<\/h3>\n\n<\/div>\n\n                        \n                                                        <div class=\"max-w-full\">\n                                \n\n<style>\n    .swiper-button-prev:after, .swiper-button-next:after {\n        content: none;\n    }\n<\/style>\n\n    <div class=\"featured-blogs relative max-w-[1440px] mx-auto\">\n                    <div class=\"featured-blogs__image\">\n                            <\/div>\n        \n                    <h2 class=\"text-purple text-center\">Arian<\/h2>\n        \n        <div class=\"swiper-container relative overflow-hidden mb-20 featured-blogs__list\">\n            <div class=\"swiper-wrapper\">\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2026\/02\/26\/dylanwadwyr-argymhelliad-neu-ad-ydyw\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2026\/02\/20-300x169.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"A cartoon girl on her laptop, thinking about buying something online\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2026\/02\/20-300x169.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/02\/20-1024x576.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/02\/20-768x432.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/02\/20-1536x864.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2026\/02\/20-2048x1152.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Dylanwadwyr: Argymhelliad neu #AD ydyw?<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Mae pawb wedi ei weld wrth sgrolio cyfryngau cymdeithasol. Mae rhywun rwyt ti&#8217;n dilyn yn canmol gofal croen, p\u00e2r o drainyrs, neu g\u00eam newydd. Gall dylanwadwyr (influencers) fod yn ffordd dda i ddarganfod brandiau neu hob\u00efau newydd. Ond cyn clicio &#8216;prynu&#8217;, byddai&#8217;n dda i ti &nbsp;ddeall pam bod y fideo yma wedi dangos ar dy [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2025\/11\/07\/tocynnau-bws-1-i-bobl-ifanc-yng-nghymru\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/08\/close-up-woman-holding-card-1024x683-2-300x200.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"Llun agos o ferch yn sganio ei cherdyn teithio ar y bws\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/08\/close-up-woman-holding-card-1024x683-2-300x200.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/08\/close-up-woman-holding-card-1024x683-2-768x512.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/08\/close-up-woman-holding-card-1024x683-2.jpg 1024w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Tocynnau Bws \u00a31 i Bobl Ifanc yng Nghymru<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        O\u2019r 1af o Fedi 2025, bydd pobl ifanc rhwng 16 a 21 oed yng Nghymru yn gallu teithio ar fysiau am \u00a31 fesul siwrne sengl a \u00a33 am docyn diwrnod. O\u2019r 3ydd o Dachwedd 2025 bydd y cynllun yn ymestyn i gynnwys plant rhwng 5 a 15 oed hefyd. Sut ydw i\u2019n cael y tocyn [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2025\/06\/05\/rheol-50-30-20\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/503020-300x169.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"Cadw-mi-gei, cyfrifiannell, a cwpan o goffi ar fwrdd\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/503020-300x169.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/503020-1024x576.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/503020-768x432.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/503020-1536x864.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/503020.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Rheol 50\/30\/20: Canllaw ar gyfer Cyllido<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Wyt ti eisiau ffordd haws o reoli dy arian a chyllido\u2019n ddoeth? Efallai bod y rheol 50\/30\/20 yn berffaith i ti! Meddylia am dy&nbsp;arian&nbsp;yn mynd i dri bocs ar \u00f4l i ti dalu treth. 50% ar gyfer pethau mae rhaid i ti gael Mae\u2019r pot yma ar gyfer pethau angenrheidiol. Gall hyn gynnwys: 30% ar [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2025\/06\/02\/deall-shrinkflation\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/shrink-300x169.png\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"Paying for a shopping basket with cash to show rising costs of shrinkflation\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/shrink-300x169.png 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/shrink-1024x576.png 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/shrink-768x432.png 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/shrink-1536x864.png 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/shrink.png 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Deall \u2018Shrinkflation\u2019: Cynnyrch yn Mynd yn Llai, Pris yn Aros yr Un Peth<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Wyt ti erioed wedi meddwl fod dy hoff fwydydd o\u2019r siop yn mynd yn llai ac yn llai? Efallai dy fod yn iawn! Dyma flog sy\u2019n esbonio \u2018shrinkflation\u2019 a beth mae hyn yn ei olygu i ti. Beth yw shrinkflation? Dychmyga estyn am dy hoff far o siocled neu baced o greision, ac mae\u2019n teimlo\u2019n [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2024\/12\/18\/gosod-targedau-cyraeddadwy\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2024\/12\/4-1-2048x1152-4-300x169.png\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"Three people sharing ideas with a lightbulb above them\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2024\/12\/4-1-2048x1152-4-300x169.png 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2024\/12\/4-1-2048x1152-4-1024x576.png 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2024\/12\/4-1-2048x1152-4-768x432.png 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2024\/12\/4-1-2048x1152-4-1536x864.png 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2024\/12\/4-1-2048x1152-4.png 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Cyngor Ar Sut i Osod Targedau Cyraeddadwy<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Wyt ti\u2019n teimlo ar goll a ddim yn si\u0175r i ba gyfeiriad mae dy fywyd yn mynd? Mae nifer o bobl ifanc yn cael trafferth gosod a chyflawni eu targedau. Paid \u00e2 phoeni, dyma awgrymiadau ar sut i osod targedau cyraeddadwy a gwireddu dy freuddwydion. Pam bod gosod targedau yn bwysig? Mae gosod targedau yn [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"129\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1-300x129.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1-300x129.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1-1024x439.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1-768x329.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1-1536x658.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1-2048x878.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Dathlu Nawr? Poeni Wedyn? Costau Cudd Cynlluniau Prynu Nawr Talu Wedyn (PNTW)<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Gall cynlluniau Prynu Nawr Talu Wedyn (PNTW) ymddangos fel y datrysiad perffaith er mwyn ymestyn dy gyllideb dros y Nadolig. Ond, gall olygu ymrwymiadau ariannol ymhell i fewn i\u2019r flwyddyn newydd. Dyma gyngor ar sut i ddefnyddio\u2019r cynlluniau yma yn gyfrifol: Gwna\u2019n si\u0175r dy fod yn gallu fforddio\u2019r ad-daliadau Efallai bod y taliadau yn edrych [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2024\/11\/05\/canllaw-i-siarad-am-arian-gyda-dy-ffrindiau\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2024\/11\/3-2048x1152-4-300x169.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"Two friends, one is holding paper notes\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2024\/11\/3-2048x1152-4-300x169.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2024\/11\/3-2048x1152-4-1024x576.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2024\/11\/3-2048x1152-4-768x432.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2024\/11\/3-2048x1152-4-1536x864.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2024\/11\/3-2048x1152-4.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Canllaw i Siarad am Arian Gyda Dy Ffrindiau<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Gall arian fod yn bwnc sensitif, yn enwedig ymysg ffrindiau. Mae\u2019n bwysig deall bod sefyllfa ariannol pawb yn wahanol, ac efallai fod gan rai pobl anghenion ariannol gwahanol i eraill. Bydd y blog yma\u2019n cynnig cyngor ar sut i siarad yn agored ac yn onest am arian gyda dy ffrindiau Pam bod arian yn bwnc [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2023\/07\/31\/codar-meic-cynilo-teithio\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/close-up-lower-body-woman-traveler-with-luggage-suitcase-going-around-world-scaled-1-300x200.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/close-up-lower-body-woman-traveler-with-luggage-suitcase-going-around-world-scaled-1-300x200.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/close-up-lower-body-woman-traveler-with-luggage-suitcase-going-around-world-scaled-1-1024x684.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/close-up-lower-body-woman-traveler-with-luggage-suitcase-going-around-world-scaled-1-768x513.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/close-up-lower-body-woman-traveler-with-luggage-suitcase-going-around-world-scaled-1-1536x1025.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/close-up-lower-body-woman-traveler-with-luggage-suitcase-going-around-world-scaled-1-2048x1367.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Coda&#8217;r Meic &#8211; Sut i Gynilo Arian ar Gyfer Teithio<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Mae Joel eisiau teithio gyda ffrindiau ond ddim yn sicr sut i ddechrau cynilo. Cysylltodd \u00e2 Coda&#8217;r Meic am gyngor. Roedd Coda&#8217;r Meic yn gyfle i ofyn cyngor am unrhyw oedd yn dy boeni. Nid oedd y cyngor yn dod yn syth ac roedd yn cael ei ddefnyddio i greu blogiau dienw ar gyfer y [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2022\/11\/29\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/woman-hands-using-mobile-smart-phone-scaled-1-300x200.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/woman-hands-using-mobile-smart-phone-scaled-1-300x200.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/woman-hands-using-mobile-smart-phone-scaled-1-1024x683.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/woman-hands-using-mobile-smart-phone-scaled-1-768x512.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/woman-hands-using-mobile-smart-phone-scaled-1-1536x1024.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/woman-hands-using-mobile-smart-phone-scaled-1-2048x1366.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Apiau a Gwefannau i Helpu Gyda Chostau Byw<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Mae digonedd o apiau ffasiynol ar y farchnad yn honni eu bod yn gallu arbed pres i ti, ond ydi hyn yn wir? Fel rhan o\u2019n\u00a0Hymgyrch Argyfwng Costau Byw, rydym yn edrych ar ambell i app a gwefannau i helpu ti. Nid yw\u2019n rhestr o\u2019r holl apiau sydd ar gael (mae yna lawer) ond dewisiad [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2022\/11\/16\/cyngor-prynun-glyfar\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/beautiful-dark-skinned-young-female-with-cheerful-expression-holds-smart-phone-credit-card-banks-online-makes-shopping-while-sits-against-cafe-interior-scaled-1-300x200.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/beautiful-dark-skinned-young-female-with-cheerful-expression-holds-smart-phone-credit-card-banks-online-makes-shopping-while-sits-against-cafe-interior-scaled-1-300x200.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/beautiful-dark-skinned-young-female-with-cheerful-expression-holds-smart-phone-credit-card-banks-online-makes-shopping-while-sits-against-cafe-interior-scaled-1-1024x683.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/beautiful-dark-skinned-young-female-with-cheerful-expression-holds-smart-phone-credit-card-banks-online-makes-shopping-while-sits-against-cafe-interior-scaled-1-768x512.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/beautiful-dark-skinned-young-female-with-cheerful-expression-holds-smart-phone-credit-card-banks-online-makes-shopping-while-sits-against-cafe-interior-scaled-1-1536x1024.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/beautiful-dark-skinned-young-female-with-cheerful-expression-holds-smart-phone-credit-card-banks-online-makes-shopping-while-sits-against-cafe-interior-scaled-1-2048x1366.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Cyngor Prynu&#8217;n Glyfar<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Gyda chostau popeth yn cynyddu, mae deall sut i wario yn glyfar yn bwysicach nag erioed. Felly gad i ni gynnig cyngor ar sut i gael y prisiau gorau wrth brynu fel rhan o&#8217;n hymgyrch Argyfwng Costau Byw. 1. Wyt ti wir ei angen? Y cwestiwn cyntaf dylet ti ofyn i dy hun ydy, wyt [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2022\/11\/09\/cyngor-da-i-greu-cyllideb\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/businesswoman-holding-coins-putting-glass-scaled-1-300x200.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/businesswoman-holding-coins-putting-glass-scaled-1-300x200.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/businesswoman-holding-coins-putting-glass-scaled-1-1024x683.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/businesswoman-holding-coins-putting-glass-scaled-1-768x512.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/businesswoman-holding-coins-putting-glass-scaled-1-1536x1024.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/businesswoman-holding-coins-putting-glass-scaled-1-2048x1366.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Cyngor Da i Greu Cyllideb<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Mae dysgu sut i gyllidebu yn un o&#8217;r pethau pwysicaf i&#8217;w wneud i gadw dy ben uwchben y d\u0175r. Fel rhan o&#8217;n Hymgyrch Argyfwng Costau Byw, rydym yn edrych ar sut i greu cyllideb syml, awgrymu offer cyllidebu ac edrych i weld os yw apiau cyllidebu yn opsiwn diogel. Dysgu sut i gyllidebu yw&#8217;r ffordd [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide !h-auto\">\n                        \n<div class=\"bg-blue h-full rounded-[3.5rem] px-8 py-12\">\n    <div class=\"flex items-center justify-start\">\n\n        <div class=\"basis-1\/3\">\n        <\/div>\n\n            <\/div>\n    <a href=\"https:\/\/meic.cymru\/cy\/2022\/11\/01\/guest-blog-advice-maps\/\">\n        <div class=\"flex items-start justify-start\">\n            <div class=\"basis-1\/3\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/6393734-300x300.jpg\" class=\"rounded-full w-full h-full max-w-[250px] aspect-square object-cover mt-4 wp-post-image\" alt=\"\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/6393734-300x300.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/6393734-1024x1024.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/6393734-150x150.jpg 150w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/6393734-768x768.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/6393734-1536x1536.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/6393734.jpg 2000w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>                            <\/div>\n\n            <div class=\"basis-2\/3 pl-4\">\n                <div>\n                    <h3 class=\"text-green !my-4\">Blog Gwadd: Cyngor gan Wasanaeth Arian a Phensiynau<\/h3>\n                    <div class=\"text-white blog-excerpt\">\n                        Gofynnom i&#8217;r bobl o&#8217;r Gwasanaeth Arian a Phensiynau os hoffent ysgrifennu blog gwadd i Meic fel rhan o&#8217;n Hymgyrch Argyfwng Costau Byw. Derbyniwyd, ac maent wedi rhannu llwyth o wybodaeth a cyngor defnyddiol. Mae gan Sarah Horscroft a Lee Phillips o\u2019r Gwasanaeth Arian a Phensiynau gyngor a syniadau i rannu gyda thi am sut i [&hellip;]                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/a>\n<\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-button-prev\">\n                <svg width=\"28\" height=\"63\" viewBox=\"0 0 28 63\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M25 60L4 32.2703L25 3\" stroke=\"#B1B1B1\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n                <\/svg>\n\n            <\/div>\n            <div class=\"swiper-button-next\">\n                <svg width=\"28\" height=\"63\" viewBox=\"0 0 28 63\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M3 3L24 30.7297L3 60\" stroke=\"#B1B1B1\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n                <\/svg>\n\n            <\/div>\n        <\/div>\n        <div class=\"swiper-pagination !-bottom-10\"><\/div>\n    <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n<div class=\"container container-narrow mx-auto\">","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[1625],"class_list":["post-5277","page","type-page","status-publish","hentry","category-cyllidebu-a-chynilo-arian"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - 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