{"id":7019,"date":"2022-11-16T21:06:49","date_gmt":"2022-11-16T21:06:49","guid":{"rendered":"https:\/\/meic.cymru\/2022\/11\/16\/tips-for-clever-buying\/"},"modified":"2025-12-16T11:34:58","modified_gmt":"2025-12-16T11:34:58","slug":"cyngor-prynun-glyfar","status":"publish","type":"post","link":"https:\/\/meic.cymru\/cy\/2022\/11\/16\/cyngor-prynun-glyfar\/","title":{"rendered":"Cyngor Prynu’n Glyfar"},"content":{"rendered":"\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’n hymgyrch Argyfwng Costau Byw<\/a>.<\/h3>\n\n\n\n
\"What<\/a><\/figure>\n\n\n\n
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1. Wyt ti wir ei angen?<\/h3>\n\n\n\n
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Y cwestiwn cyntaf dylet ti ofyn i dy hun ydy, wyt ti ei angen neu’n wyt ti eisiau ef? Mae yna wahaniaeth. Rwyt ti angen bwyd, d\u0175r, trydan, nwy, ayb.<\/p>\n\n\n\n

Os yw arian yn dynn, gofynna’r cwestiynau yma:<\/p>\n\n\n\n

\u26ac Ydw i ei angen?
\u26ac A fydd yn gwneud fi’n hapus?
\u26ac A fydd yn gwella rhywbeth yn fy mywyd?
\u26ac Oes yna rywbeth rhatach fydd yn gwneud yr un peth?
\u26ac A yw ar gael yn rhatach yn rhywle arall?<\/p>\n\n\n\n

Os oes gen ti arian yn weddill ar ddiwedd y mis, yna yn lle gwario, beth am feddwl am gynilo ychydig? Mae’n syniad da cael ychydig o arian wrth gefn rhag ofn byddi di ei angen yn y dyfodol. Mae yna apiau gallet ti eu defnyddio bydd yn cynilo’r hyn sydd yn weddill yn dy gyfrif ar ddiwedd y mis yn awtomatig.<\/p>\n\n\n\n

Cer i weld ein blog Cyngor Da i Greu Cyllideb<\/a>, ble rydym yn trafod diogelwch apiau cynilo. Mae’r blog yma hefyd yn helpu ti i ystyried os wyt ti’n gallu fforddio rhywbeth.<\/p>\n\n\n\n

Cer i weld y canllaw Savvy Shopper<\/a> yma gan Young Money am wybodaeth ar ddylanwadau ar dy benderfyniadau gwario, her siopa o gwmpas, a siopa’n dda am lai.<\/p>\n\n\n\n

\"Shopping<\/a><\/figure>\n\n\n\n
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2. Defnyddio teclynnau cymharu<\/h3>\n\n\n\n
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Mae yna wefannau cymharu arbennig os wyt ti eisiau chwilio am y fargen orau.<\/p>\n\n\n\n

Os wyt ti’n chwilio am y prisiau rhataf am bethau fel biliau ynni, yswiriant (car, bywyd, t\u0177, cartref ayb.) a chardiau credyd, yna rhai o’r gwefannau mwyaf adnabyddus yw Compare The Market<\/a>, Confused.com<\/a>, Go Compare<\/a>, a MoneySuperMarket<\/a>. Rwyt ti’n rhoi dy fanylion i mewn ac yna byddi di’n cael y bargeinion gorau sydd yn agored i ti o restr eang o ddarparwyr (er nid yw pob darparwr yn gwneud cynnig drwy’r gwefannau yma).<\/p>\n\n\n\n

Os wyt ti’n chwilio am gynnyrch penodol, defnyddia wefannau cymharu fel PriceGrabber<\/a>; PriceRunner<\/a>; Google Shopping<\/a>, Kelkoo<\/a>, Idealo<\/a> ayb. Y gobaith yw y byddi di’n darganfod y pris rhataf am rywbeth.<\/p>\n\n\n\n

Mae posib chwilio am hanes pris cynnyrch hefyd i weld os wyt ti’n cael y fargen orau a gosod rhybudd pris ar wefannau fel PriceSpy<\/a>. Mae posib gosod plugin ar dy borwr hefyd, fel Keepa<\/a>, mae’n dangos graff hanes pris pan fyddi di’n chwilio am gynnyrch ar Amazon. Beth am weld os yw’r pris yn gostwng eto cyn prynu?<\/p>\n\n\n\n

A chofia chwilio am dalebau. Beth bynnag rwyt ti am brynu, chwilia’n sydyn ar Google i weld os oes cod taleb ar gael ar gyfer y gwerthwr yna. Mae posib gosod plugin fel Honey<\/a> ar dy borwr fydd yn dangos pop-yp yn awtomatig os oes unrhyw gynigon ar gael wrth brynu o wefan.rowser which will automatically pop up any available offers when buying from websites. <\/p>\n\n\n\n

\"Young<\/a><\/figure>\n\n\n\n
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3. Siopa o gwmpas<\/h3>\n\n\n\n
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Paid prynu o’r lle cyntaf rwyt ti’n gweld rhywbeth. Chwilia am y pris gorau bob tro. Ac mae hyn yn wir mewn bywyd ‘go iawn’ hefyd. Os wyt ti’n prynu o siop, mae posib chwilio am y pris gorau a gofyn a ydynt yn gallu cynnig yr un pris. Mae gan rai gwerthwyr garant\u00ee ‘price match’. Os wyt ti’n gweld rhywbeth mewn siop, chwilia amdano ar-lein a gweld os yw’n rhatach. Os nad ydynt yn gallu cynnig yr un pris yna pryna o’r wefan os wyt ti’n gallu disgwyl iddo gyrraedd.<\/p>\n\n\n\n

Mae posib cymharu prisiau bwyd o’r archfarchnad hefyd gydag apiau fel Trolley.co.uk<\/a>. Maent yn cymharu gwahanol archfarchnadoedd yn y DU ac yn dweud ble mae’r eitem ar gael am y pris rhataf. Efallai bydd yn helpu ti i feddwl pa archfarchnad yr ei di’r wythnos honno. Neu, os oes gen ti’r amynedd, gallet ti ymweld \u00e2 sawl archfarchnad wahanol i gael y bargeinion orau ymhob un. Mae angen dipyn o gynllunio a llawer mwy o amser i wneud hyn.<\/p>\n\n\n\n

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4. Cymharu prisiau pob uned<\/h3>\n\n\n\n
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Y tro nesaf rwyt ti yn yr archfarchnad, edrycha ar y pris o dan y cynnyrch. Fel arfer, mae ysgrifennu llai o dan y pris yn nodi pris uned rhywbeth. Mae hyn yn caniat\u00e1u i ti gymharu’r fargen orau.<\/p>\n\n\n\n

Er esiampl, mae potel 342g Saws Coch Heinz yn \u00a31.85, a photel 910g yn \u00a33.49. Gall gymryd ychydig o fathemateg i ddeall pa un yw’r fargen orau, ond os wyt ti’n edrych ar y pris uned, byddi di’n gweld bod y botel 342g yn \u00a30.54\/100g a’r botel 910g yn \u00a30.38\/100g. Mae hyn yn golygu bod y botel fawr yn 16 ceiniog yn rhatach na’r botel lai am bob 100 gram.<\/p>\n\n\n\n

Bydda’n ofalus o fargeinion hefyd. Nid yw’r ffaith bod rhywbeth ar gynnig arbennig yn golygu mai dyma yw’r pris orau. Edrycha ar y prisiau uned neu’r hanes prisiau bob tro.<\/p>\n\n\n\n

\"Woman<\/a><\/figure>\n\n\n\n
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5. Paid mynd dros ben llestri efo’r tapio<\/h3>\n\n\n\n
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Pan mae gwario yn golygu tap sydyn o’r cerdyn, ff\u00f4n neu oriawr, gall fod yn anodd cofio dy fod di’n gwario arian go iawn weithiau. Paid mynd dros ben llestri, a chadwa trac ar y gwario.<\/p>\n\n\n\n

Mae lawrlwytho app dy fanc (os oes un) yn gallu helpu, gan fod posib gwirio’r balans ble bynnag yr wyt ti.<\/p>\n\n\n\n

\"Hands<\/a><\/figure>\n\n\n\n
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6. Cardiau siop a chardiau ffyddlondeb<\/h3>\n\n\n\n
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Mae posib cael bargen dda os oes gen ti gerdyn siop neu gerdyn ffyddlondeb.<\/p>\n\n\n\n

Os wyt ti’n agor cerdyn siop i gael disgownt ar y pethau rwyt ti’n prynu, mae’r APR yn debygol o fod yn uchel. Os fedri di, sicrha bod y balans sydd yn weddill ar ddiwedd y mis yn cael ei dalu’n llawn bob tro, fel nad oes rhaid i ti dalu llog.<\/p>\n\n\n\n

Cer draw i’n blog APR Beth? Deall Benthyca<\/a> i ddysgu mwy am APR, sg\u00f4r credyd a’r pwysigrwydd o ad-dalu ar amser. Gallet ti ddarllen ein blog Dyled Dda, Dyled Ddrwg a Chael Help<\/a> am wybodaeth gall helpu.<\/p>\n\n\n\n

\"Hacker<\/a><\/figure>\n\n\n\n
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7. Bydda’n ddiogel wrth brynu ar-lein<\/h3>\n\n\n\n
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Bydda’n wyliadwrus wrth brynu ar-lein. Os yw rhywbeth yn swnio fel bargen rhy dda, yna nid yw’n gwir fargen fel arfer!<\/p>\n\n\n\n

Os wyt ti’n prynu gan wefan diarth, cer i TrustPilot<\/a> i weld os ydynt yn ymddangos yn y chwiliad yno a gweld eu sg\u00f4r. Darllena’r adolygiadau ac ymddiried yn dy reddfau. Os wyt ti’n cael dy sgamio gan rywun sydd yn gwerthu ar-lein, efallai na fyddi di’n derbyn y cynnyrch rwyt ti wedi talu amdano ac mewn risg o golli mwy o arian. Darganfod mwy am gadw dy arian yn ddiogel ar-lein o wefan HelpwrArian.<\/a><\/p>\n\n\n\n

Os oes gen ti gerdyn credyd ac rwyt ti’n gwario rhwng \u00a3100 a \u00a330,000 yna defnyddia ef i brynu. Mae gen ti amddiffyniad ychwanegol dan Adran 75 y Ddeddf Credyd Prynwr – darganfod mwy am hyn ar y wefan HelpwrArian. <\/a>Os nad wyt ti’n prynu gyda cherdyn credyd, bydd rhaid i ti wneud cais ‘Chargeback’ gan dy ddarparwr, sydd yn gallu bod yn gymhleth ac yn cymryd amser.<\/p>\n\n\n\n

Pan fyddi di’n mewngofnodi i gyfrif banc neu gyfrif siopa ar gyfrifiaduron cyhoeddus, sicrha dy fod di’n allgofnodi bob tro, a phaid byth ticio’r blwch ‘cofia fi’.<\/p>\n\n\n\n

Os wyt ti’n dioddef o sgam ar-lein, mae posib adrodd hyn i Actionfraud.police.uk<\/a>. Gallet ti gysylltu \u00e2 Cyngor ar Bopeth neu Cymorth i Ddioddefwyr am gymorth a chyngor.<\/p>\n\n\n\n

Edrycha ar y Canllaw Young Money yma – Staying Safe With Money Online<\/a>.<\/p>\n\n\n\n

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Cymorth pellach<\/h3>\n\n\n\n
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Meic<\/strong>\u00a0\u2013 rhywun sydd wastad ar dy ochr di. Os yw pethau\u2019n anodd ac rwyt ti angen siarad \u00e0 rhywun neu gyda chwestiwn sydd angen ateb, yna\u00a0cysyllta \u00e2 Meic\u00a0yn gyfrinachol, yn ddienw ac am ddim o 8yb tan hanner nos bob diwrnod y flwyddyn (manylion cyswllt isod). Byddem yn siarad drwy dy opsiynau ac yn helpu ti i ddarganfod y llwybr gorau i ti er mwyn gallu symud ymlaen.<\/p>\n\n\n\n

Apiau a Gwefannau i Helpu Gyda Chostau Byw <\/a><\/strong>– Blog Meic<\/p>\n\n\n\n

HelpwrArian<\/strong><\/a> \u2013 gwasanaeth am ddim sy\u2019n cael ei ddarparu gan y Gwasanaeth Arian a Phensiynau. Yn gwneud dewisiadau arian a phensiwn yn fwy clir. Yn torri trwy\u2019r jargon a\u2019r cymhlethdod, egluro beth rwyt ti angen ei wneud a sut gallet ti wneud hynny, yn dy roi di mewn rheolaeth gyda chymorth diduedd am ddim gellir ei ddarganfod yn sydyn, ei ddefnyddio\u2019n hawdd ac mae\u2019n cael ei gefnogi gan y llywodraeth. Sgwrsia ar-lein<\/a>, gyrra neges ar WhatsApp +44 77 0134 2744 neu ffonia 0800 138 7777.<\/p>\n\n\n\n

Turn2Us<\/strong><\/a>\u2013 elusen genedlaethol sydd yn cynnig help ymarferol i bobl sydd yn cael trafferthion ariannol.<\/p>\n\n\n\n

Llywodraeth Cymru \u2013 Cael help gyda chostau byw<\/a> <\/strong>\u2013 darganfod pa gefnogaeth ariannol a allai fod ar gael i dy helpu, o filiau d\u0175r, trydan a nwy, i dai a budd-daliadau, i ysgol ac addysg uwch.<\/p>\n\n\n\n

Llinell Ddyled Genedlaethol \u2013 National Debtline<\/a> <\/strong>\u2013 Elusen yn cynnig cyngor dyled am ddim i bobl yn y DU. Mae ganddynt hwb costau byw<\/a> sydd yn cynnwys y wybodaeth ddiweddaraf am y cymorth sydd ar gael.<\/p>\n","protected":false},"excerpt":{"rendered":"

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’n hymgyrch Argyfwng Costau Byw. 1. Wyt ti wir ei angen? Y cwestiwn cyntaf dylet ti ofyn i dy hun ydy, wyt […]<\/p>\n","protected":false},"author":1,"featured_media":4185,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,1625],"tags":[3569,2372,3570,3571,3572,3573,3158,3574,3575,899,3576,3577,3578,900,3579,901,3580,3555,3581,3182],"class_list":["post-7019","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting-saving","category-cyllidebu-a-chynilo-arian","tag-anghenion-v-eisiau","tag-arian","tag-cymharu","tag-cyngor-arian","tag-cyngor-costau-byw","tag-cyngor-doeth","tag-diogelwch-ar-lein","tag-gwario","tag-help-gyda-chostau-byw","tag-need-v-want","tag-prynu","tag-prynun-gall","tag-prynun-glyfar","tag-shop","tag-siopa","tag-spending","tag-ymgyrch-costau-byw","tag-ymgyrch-costau-byw-meic","tag-ymgyrchcostaubyw","tag-ymgyrchoedd-meic"],"acf":[],"yoast_head":"\nCyngor Prynu'n Glyfar - Meic<\/title>\n<meta name=\"description\" content=\"Gyda chostau popeth yn cynyddu, mae deall sut i wario yn glyfar yn bwysicach nag erioed. 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