{"id":6374,"date":"2024-12-03T14:00:00","date_gmt":"2024-12-03T14:00:00","guid":{"rendered":"https:\/\/meic.cymru\/2024\/12\/03\/the-hidden-costs-of-bnpl-schemes\/"},"modified":"2025-11-04T11:57:55","modified_gmt":"2025-11-04T11:57:55","slug":"costau-cudd-cynlluniau-pntw","status":"publish","type":"post","link":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/","title":{"rendered":"Dathlu Nawr? Poeni Wedyn? Costau Cudd Cynlluniau Prynu Nawr Talu Wedyn (PNTW)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">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:<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Gwna\u2019n si\u0175r dy fod yn gallu fforddio\u2019r ad-daliadau<\/h3>\n\n\n\n<p>Efallai bod y taliadau yn edrych yn hawdd i\u2019w rheoli mewn rhandaliadau, ond paid \u00e2 gwario mwy nag wyt ti\u2019n gallu fforddio. Cadwa gofnod o faint wyt ti wedi\u2019i wario a phryd mae\u2019r taliadau nesaf. Fedri di fod yn drefnus ac yn ymwybodol o dy ymrwymiadau ariannol a chadw rheolaeth o dy <a href=\"https:\/\/www.meiccymru.org\/cym\/cyngor-da-i-greu-cyllideb\/\">gyllideb<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bydda\u2019n ymwybodol o ffioedd annisgwyl<\/h3>\n\n\n\n<p>Bydd ffioedd yn cael eu hychwanegu am ad-daliadau hwyr; mae&#8217;r rhain yn gallu cronni\u2019n sydyn ac o bosib byddant yn cael effaith ar dy sg\u00f4r credyd. Gwiria\u2019r amodau a thelerau cyn ymuno a bydda\u2019n ymwybodol o ffioedd ychwanegol.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2024\/11\/christmas-items-blue-wooden-table-woman-s-hands-wrapping-christmas-gift-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/christmas-items-blue-wooden-table-woman-s-hands-wrapping-christmas-gift-1024x683.jpg\" alt=\"A person wrapping a present on a blue wooden table. \" class=\"wp-image-9116\" style=\"width:500px\"\/><\/a><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Rhoi anrhegion heb y straen ariannol<\/h3>\n\n\n\n<p>Gall fod yn hawdd gwario arian er mwyn cael yr anrheg perffaith i rhywun. Bydda\u2019n onest gyda dy deulu a ffrindiau am be ti\u2019n gallu fforddio. Canolbwyntia ar brofiadau ac anrhegion meddylgar sydd o fewn dy gyllideb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Diffyg sicrwydd i brynwyr<\/h3>\n\n\n\n<p>Dwyt ti ddim yn cael dy amddiffyn o dan <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/everyday-money\/credit\/how-youre-protected-when-you-pay-by-card\">adran 75<\/a> ac nid yw gwasanaethau PNTW yn amddiffyn prynwyr yn yr un ffordd a chardiau credyd traddodiadol. Golygai hyn ei fod yn anoddach i ddadlau yn erbyn costau neu gael ad-daliad. Fodd bynnag, os wyt ti eisiau gwneud cwyn yn erbyn yr adwerthwr, mae\u2019n bosib gwneud hynny. <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2024\/11\/expressive-pretty-woman-posing-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/expressive-pretty-woman-posing-1024x683.jpg\" alt=\"A women sitting at the kitchen table with a calculator. BNPL blog\" class=\"wp-image-9117\" style=\"width:500px\"\/><\/a><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Effaith ar arferion ariannol<\/h3>\n\n\n\n<p>Mae PNTW yn ei wneud yn haws i brynu\u2019n fyrbwyll. Paid \u00e2 theimlo pwysau i wario arian, yn enwedig yn ystod adegau drud o\u2019r flwyddyn fel tymor y Nadolig. Mae aros at gyllideb yn creu arferion ariannol da a chyfrifol. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cefnogaeth ar gael i ti<\/h3>\n\n\n\n<p>Os wyt ti\u2019n poeni am gadw fyny gydag ad-daliadau, mae cymorth ar gael. Os hoffet ti siarad gyda rhywun yn gyfrinachol ac yn ddienw, siarada \u00e2 Meic am wybodaeth, cyngor ac eiriolaeth. Siarada gyda ni o 8yb i hanner nos bob dydd. Am fwy o wybodaeth am wasanaethau PNTW, edrycha ar yr adnoddau ar <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/everyday-money\/credit\/what-are-buy-now-pay-later-purchases\">HelpwrArian<\/a> a <a href=\"https:\/\/www.citizensadvice.org.uk\/cymraeg\/Dyled-ac-arian\/\">Cyngor ar Bopeth. <\/a><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>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;]<\/p>\n","protected":false},"author":1,"featured_media":4620,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,1625,567,1644],"tags":[2372,2658,2651,2659,2660],"class_list":["post-6374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting-saving","category-cyllidebu-a-chynilo-arian","category-debt-credit","category-dyled-a-chredyd","tag-arian","tag-cyllideb","tag-nadolig","tag-pntw","tag-prynu-nawr-talu-wedyn"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dathlu Nawr? Poeni Wedyn? Costau cudd cynlluniau PNTW<\/title>\n<meta name=\"description\" content=\"Mae cynlluniau PNTW yn gallu ymddangos fel y datrysiad perffaith i ymestyn dy gyllideb dros y Nadolig. Dyma gyngor i&#039;w defnyddio yn gyfrifol.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/\" \/>\n<meta property=\"og:locale\" content=\"cy_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dathlu Nawr? Poeni Wedyn? Costau cudd cynlluniau PNTW\" \/>\n<meta property=\"og:description\" content=\"Mae cynlluniau PNTW yn gallu ymddangos fel y datrysiad perffaith i ymestyn dy gyllideb dros y Nadolig. Dyma gyngor i&#039;w defnyddio yn gyfrifol.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/\" \/>\n<meta property=\"og:site_name\" content=\"Meic\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-03T14:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-04T11:57:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1097\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alex\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alex\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/\"},\"author\":{\"name\":\"Alex\",\"@id\":\"https:\/\/meic.cymru\/cy\/#\/schema\/person\/8cec3e1fd09eeb509b704c4c3a1b31a4\"},\"headline\":\"Dathlu Nawr? Poeni Wedyn? Costau Cudd Cynlluniau Prynu Nawr Talu Wedyn (PNTW)\",\"datePublished\":\"2024-12-03T14:00:00+00:00\",\"dateModified\":\"2025-11-04T11:57:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/\"},\"wordCount\":386,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/meic.cymru\/cy\/#organization\"},\"image\":{\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg\",\"keywords\":[\"arian\",\"cyllideb\",\"Nadolig\",\"PNTW\",\"Prynu Nawr Talu Wedyn\"],\"articleSection\":[\"Budgeting &amp; Saving\",\"Cyllidebu a Chynilo\",\"Debt &amp; Credit\",\"Dyled a Chredyd\"],\"inLanguage\":\"cy-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/\",\"url\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/\",\"name\":\"Dathlu Nawr? Poeni Wedyn? Costau cudd cynlluniau PNTW\",\"isPartOf\":{\"@id\":\"https:\/\/meic.cymru\/cy\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg\",\"datePublished\":\"2024-12-03T14:00:00+00:00\",\"dateModified\":\"2025-11-04T11:57:55+00:00\",\"description\":\"Mae cynlluniau PNTW yn gallu ymddangos fel y datrysiad perffaith i ymestyn dy gyllideb dros y Nadolig. Dyma gyngor i'w defnyddio yn gyfrifol.\",\"breadcrumb\":{\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#breadcrumb\"},\"inLanguage\":\"cy-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cy-GB\",\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#primaryimage\",\"url\":\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg\",\"contentUrl\":\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg\",\"width\":2560,\"height\":1097},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/meic.cymru\/cy\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Dathlu Nawr? Poeni Wedyn? Costau Cudd Cynlluniau Prynu Nawr Talu Wedyn (PNTW)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/meic.cymru\/cy\/#website\",\"url\":\"https:\/\/meic.cymru\/cy\/\",\"name\":\"Meic\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/meic.cymru\/cy\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/meic.cymru\/cy\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cy-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/meic.cymru\/cy\/#organization\",\"name\":\"Meic\",\"url\":\"https:\/\/meic.cymru\/cy\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cy-GB\",\"@id\":\"https:\/\/meic.cymru\/cy\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/meic-logo.png\",\"contentUrl\":\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/meic-logo.png\",\"width\":197,\"height\":86,\"caption\":\"Meic\"},\"image\":{\"@id\":\"https:\/\/meic.cymru\/cy\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/meic.cymru\/cy\/#\/schema\/person\/8cec3e1fd09eeb509b704c4c3a1b31a4\",\"name\":\"Alex\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cy-GB\",\"@id\":\"https:\/\/meic.cymru\/cy\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/378ae50ac0ecda447b0ce598752370de877d00aef9f2eb766bda8c70faf2264a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/378ae50ac0ecda447b0ce598752370de877d00aef9f2eb766bda8c70faf2264a?s=96&d=mm&r=g\",\"caption\":\"Alex\"},\"sameAs\":[\"https:\/\/meic.cymru\"],\"url\":\"https:\/\/meic.cymru\/cy\/author\/alex\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Dathlu Nawr? Poeni Wedyn? Costau cudd cynlluniau PNTW","description":"Mae cynlluniau PNTW yn gallu ymddangos fel y datrysiad perffaith i ymestyn dy gyllideb dros y Nadolig. Dyma gyngor i'w defnyddio yn gyfrifol.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/","og_locale":"cy_GB","og_type":"article","og_title":"Dathlu Nawr? Poeni Wedyn? Costau cudd cynlluniau PNTW","og_description":"Mae cynlluniau PNTW yn gallu ymddangos fel y datrysiad perffaith i ymestyn dy gyllideb dros y Nadolig. Dyma gyngor i'w defnyddio yn gyfrifol.","og_url":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/","og_site_name":"Meic","article_published_time":"2024-12-03T14:00:00+00:00","article_modified_time":"2025-11-04T11:57:55+00:00","og_image":[{"width":2560,"height":1097,"url":"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg","type":"image\/jpeg"}],"author":"Alex","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Alex","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#article","isPartOf":{"@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/"},"author":{"name":"Alex","@id":"https:\/\/meic.cymru\/cy\/#\/schema\/person\/8cec3e1fd09eeb509b704c4c3a1b31a4"},"headline":"Dathlu Nawr? Poeni Wedyn? Costau Cudd Cynlluniau Prynu Nawr Talu Wedyn (PNTW)","datePublished":"2024-12-03T14:00:00+00:00","dateModified":"2025-11-04T11:57:55+00:00","mainEntityOfPage":{"@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/"},"wordCount":386,"commentCount":0,"publisher":{"@id":"https:\/\/meic.cymru\/cy\/#organization"},"image":{"@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#primaryimage"},"thumbnailUrl":"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg","keywords":["arian","cyllideb","Nadolig","PNTW","Prynu Nawr Talu Wedyn"],"articleSection":["Budgeting &amp; Saving","Cyllidebu a Chynilo","Debt &amp; Credit","Dyled a Chredyd"],"inLanguage":"cy-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/","url":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/","name":"Dathlu Nawr? Poeni Wedyn? Costau cudd cynlluniau PNTW","isPartOf":{"@id":"https:\/\/meic.cymru\/cy\/#website"},"primaryImageOfPage":{"@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#primaryimage"},"image":{"@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#primaryimage"},"thumbnailUrl":"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg","datePublished":"2024-12-03T14:00:00+00:00","dateModified":"2025-11-04T11:57:55+00:00","description":"Mae cynlluniau PNTW yn gallu ymddangos fel y datrysiad perffaith i ymestyn dy gyllideb dros y Nadolig. Dyma gyngor i'w defnyddio yn gyfrifol.","breadcrumb":{"@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#breadcrumb"},"inLanguage":"cy-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/"]}]},{"@type":"ImageObject","inLanguage":"cy-GB","@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#primaryimage","url":"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg","contentUrl":"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/decorative-festive-christmas-assortment-scaled-1.jpg","width":2560,"height":1097},{"@type":"BreadcrumbList","@id":"https:\/\/meic.cymru\/cy\/2024\/12\/03\/costau-cudd-cynlluniau-pntw\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/meic.cymru\/cy\/"},{"@type":"ListItem","position":2,"name":"Dathlu Nawr? Poeni Wedyn? Costau Cudd Cynlluniau Prynu Nawr Talu Wedyn (PNTW)"}]},{"@type":"WebSite","@id":"https:\/\/meic.cymru\/cy\/#website","url":"https:\/\/meic.cymru\/cy\/","name":"Meic","description":"","publisher":{"@id":"https:\/\/meic.cymru\/cy\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/meic.cymru\/cy\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cy-GB"},{"@type":"Organization","@id":"https:\/\/meic.cymru\/cy\/#organization","name":"Meic","url":"https:\/\/meic.cymru\/cy\/","logo":{"@type":"ImageObject","inLanguage":"cy-GB","@id":"https:\/\/meic.cymru\/cy\/#\/schema\/logo\/image\/","url":"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/meic-logo.png","contentUrl":"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/meic-logo.png","width":197,"height":86,"caption":"Meic"},"image":{"@id":"https:\/\/meic.cymru\/cy\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/meic.cymru\/cy\/#\/schema\/person\/8cec3e1fd09eeb509b704c4c3a1b31a4","name":"Alex","image":{"@type":"ImageObject","inLanguage":"cy-GB","@id":"https:\/\/meic.cymru\/cy\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/378ae50ac0ecda447b0ce598752370de877d00aef9f2eb766bda8c70faf2264a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/378ae50ac0ecda447b0ce598752370de877d00aef9f2eb766bda8c70faf2264a?s=96&d=mm&r=g","caption":"Alex"},"sameAs":["https:\/\/meic.cymru"],"url":"https:\/\/meic.cymru\/cy\/author\/alex\/"}]}},"_links":{"self":[{"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/posts\/6374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/comments?post=6374"}],"version-history":[{"count":1,"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/posts\/6374\/revisions"}],"predecessor-version":[{"id":6376,"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/posts\/6374\/revisions\/6376"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/media\/4620"}],"wp:attachment":[{"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/media?parent=6374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/categories?post=6374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/meic.cymru\/cy\/wp-json\/wp\/v2\/tags?post=6374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}