{"id":7117,"date":"2022-11-09T21:13:33","date_gmt":"2022-11-09T21:13:33","guid":{"rendered":"https:\/\/meic.cymru\/2022\/11\/09\/top-tips-for-creating-a-budget\/"},"modified":"2025-11-13T10:58:31","modified_gmt":"2025-11-13T10:58:31","slug":"cyngor-da-i-greu-cyllideb","status":"publish","type":"post","link":"https:\/\/meic.cymru\/cy\/2022\/11\/09\/cyngor-da-i-greu-cyllideb\/","title":{"rendered":"Cyngor Da i Greu Cyllideb"},"content":{"rendered":"\n

Mae dysgu sut i gyllidebu yn un o’r pethau pwysicaf i’w wneud i gadw dy ben uwchben y d\u0175r. Fel rhan o’n Hymgyrch Argyfwng Costau Byw<\/a>, rydym yn edrych ar sut i greu cyllideb syml, awgrymu offer cyllidebu ac edrych i weld os yw apiau cyllidebu yn opsiwn diogel.<\/h3>\n\n\n\n

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Dysgu sut i gyllidebu yw’r ffordd gorau i sicrhau bod gen ti ddigon o arian i fyw pob mis. Pan fyddi di’n gwybod faint o arian sydd angen cadw i un ochr i dalu am y pethau hanfodol, yna byddi di’n gwybod faint sydd ar \u00f4l i dalu am y pethau ychwanegol. Ac os nad oes digon o arian yn dod i mewn i dalu am y pethau hanfodol, yna mae angen edrych os gellir gwneud toriadau a pa gymorth sydd ar gael i ti.<\/p>\n\n\n\n

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Creu cyllideb syml<\/h3>\n\n\n\n
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Cam 1<\/h4>\n\n\n\n

Creu dwy golofn. Yn y golofn gyntaf, noda popeth sydd yn dod i mewn bob wythnos\/mis\/blwyddyn – dy incwm.<\/p>\n\n\n\n

Meddylia am gyflog, budd-daliadau, pres poced, grantiau ac ati.<\/p>\n\n\n\n

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Cam 2<\/h4>\n\n\n\n

Yn yr ail golofn, noda popeth sydd yn mynd allan bob wythnos\/mis\/blwyddyn – dy wariant. Mae’n debyg bydd hwn yn rhestr hirach na cham un.<\/p>\n\n\n\n

Meddylia am rent, taliadau benthyciad, biliau gwasanaethau (d\u0175r, nwy, trydan), band eang, treth, yswiriant, cytundeb ff\u00f4n, trafnidiaeth, taliadau aelodaeth, dillad, torri gwallt, cymdeithasu ac ati. Cofia am y pethau ychwanegol annisgwyl, fel anrhegion pen-blwydd.<\/p>\n\n\n\n

Efallai dy fod di wedi anghofio am archebion rheolaidd (standing order) neu daliadau debyd uniongyrchol (direct debit) sydd yn mynd allan o’r banc. Os nad oes angen y rhain bellach, yna cansla.<\/p>\n\n\n\n

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Cam 3<\/h4>\n\n\n\n

Adia popeth yn y golofn incwm at ei gilydd a noda’r cyfanswm ar y gwaelod,<\/p>\n\n\n\n

Adia popeth yn y golofn gwariant at ei gilydd a noda’r cyfanswm ar y gwaelod.<\/p>\n\n\n\n

Os yw cyfanswm yr incwm yn fwy nag cyfanswm y gwariant, yna rwyt ti’n gwybod bod gen ti ddigon o arian ar gyfer popeth, ac efallai ychydig dros ben i gynilo.<\/p>\n\n\n\n

Os yw’r cyfanswm yr incwm yn llai nag cyfanswm y gwariant, yna rwyt ti’n gwario mwy o arian nag sy’n dod i mewn ac mewn perygl o ddefnyddio dy gynilon i gyd (os oes gen ti) a chael i ddyled.<\/p>\n\n\n\n

Mae hwn yn ffordd syml i edrych ar dy gyllideb. I greu cyllideb fwy manwl, edrycha ar rhai o’r offer cyllidebu sydd ar gael.<\/p>\n\n\n\n

\u25aa\ufe0fMae gan HelpwrArian declyn Cynlluniwr Cyllideb<\/a> wych ar y wefan, ble rwyt ti’n rhoi dy fanylion i gyd i mewn. Mae posib arbed pethau a mynd yn \u00f4l ato wedyn.<\/p>\n\n\n\n

\u25aa\ufe0fMae gan y MoneySavingExpert lawer o wybodaeth ar gyllidebu ar y dudalen gwybodaeth The Budget Planner<\/a> – sgrolia i lawr i lawrlwytho’r daenlen cynllunio cyllideb am ddim.<\/p>\n\n\n\n

\u25aa\ufe0fMae’r Family Building Society wedi creu sawl canllaw i bobl ifanc, gan gynnwys y canllaw Budgeting Basics<\/a> i rai 7 i 11 oed – nid yw byth yn rhy gynnar i ddysgu. Mae ganddynt hefyd ganllaw Saving for the Future<\/a> i rai 16-18 oed a Preparing for Independence<\/a> i rai 14-16 oed.<\/p>\n\n\n\n

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Os oes gen ti arian dros ben<\/h3>\n\n\n\n
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Os oes mwy o arian yn dod i mewn nag sy’n mynd allan, byddai’n syniad meddwl am gychwyn cyfrif cynilo os nad oes gen ti un eisoes. Gallet ti wedyn gynilo i brynu pethau mwy neu baratoi am gostau annisgwyl.<\/p>\n\n\n\n

Mae gan HelpwrArian dudalen yn egluro’r gwahanol fathau o gyfrifon cynilo<\/a> lle gallet ti weld pa un fydd orau i ti.<\/p>\n\n\n\n

Mae gan y Money Saving Expert ganllaw yn rhestru’r cyfrifon cynilo gorau sydd o gwmpas<\/a>, ac mae’n cael ei ddiweddaru yn ddyddiol ar hyn o bryd.<\/p>\n\n\n\n

Os oes gen ti gardiau credyd neu fenthyciad i’w dalu, yna mae’r llog (yr arian sydd yn cael ei ychwanegu bob mis ar ben yr arian rwyt ti wedi’i fenthyg) yn debygol o fod yn uwch na’r llog byddi di’n ei gael ar unrhyw gynilon. Mae’n well defnyddio unrhyw arian sydd dros ben i orffen talu’r rhain yn fwy sydyn.<\/p>\n\n\n\n

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Os nad oes gen ti ddigon o arian<\/h3>\n\n\n\n
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Os yw pethau’n dynn, neu os nad oes digon o arian yn dod i mewn, yna edrycha ar y pethau yn y golofn gwariant. Oes yna  bethau gellir gwneud hebddynt, neu gallet ti gwtogi arno? Sicrha bod unrhyw benderfyniadau yn realistig ac yn gyraeddadwy. Efallai nad wyt ti wedi edrych ar y fargen orau ac wedi gadael i gytundebau barhau heb newid. Efallai bod yna fudd-daliadau ychwanegol rwyt ti’n gymwys amdanynt.<\/p>\n\n\n\n

Cer i weld gweddill y blogiau yn ein Hymgyrch Argyfwng Costau Byw<\/a> am gymorth pellach gyda hyn.<\/p>\n\n\n\n

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Apiau Cyllidebu – Ydy’r rhain yn ddiogel?<\/h3>\n\n\n\n
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Mae apiau cyllidebu yn ffordd wych i helpu cynllunio cyllideb a gweld faint o arian sydd yn weddill i wario neu gynilo bob mis. Nid i fynd i fanylion rhy gymhleth, ond mae’r apiau yma yn gweithio drwy fancio agored<\/a>. Mae hyn yn golygu bod dy fanc yn cael rhannu dy ddata gyda thrydydd parti yn ddiogel trwy APIs<\/a> gyda dy ganiat\u00e2d. Yna bydd yr app cyllidebu yn cael mynediad i dy ddata ac yn gallu helpu ti i reoli dy arian. Gallet ti gynllunio dy gyllideb, gweld faint sydd yn weddill, a chynilo beth sydd ar \u00f4l ar ddiwedd y mis yn awtomatig.<\/p>\n\n\n\n

Mae llawer o apiau ar gael, felly nid ydym am awgrymu dim yma, ond ymchwilia’r app rwyt ti’n meddwl defnyddio cyn i ti roi unrhyw fanylion personol. Gellir darganfod rhestr o apiau a gwefannau i helpu gyda chostau byw yn ein blog arall<\/a>.<\/p>\n\n\n\n

Mae gan Which?<\/a> (sefydliad dielw, annibynnol, diduedd, sydd yn helpu defnyddwyr i wneud y dewisiadau cywir) fanylion pellach ac awgrymiadau yn y blog Best Budgeting Apps<\/a>.<\/p>\n\n\n\n

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\"Meic<\/a><\/figure>\n\n\n\n

Cymorth pellach<\/h3>\n\n\n\n
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\u25aa\ufe0fMeic<\/a><\/strong> – rhywun sydd wastad ar dy ochr di. Os yw pethau’n anodd ac rwyt ti angen siarad \u00e0 rhywun neu gyda chwestiwn sydd angen ateb, yna cysyllta \u00e2 Meic<\/a> yn gyfrinachol, yn ddienw ac am ddim ar y ff\u00f4n, neges testun neu neges ar-lein o 8yb tan hanner nos bob diwrnod y flwyddyn. 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

\u25aa\ufe0fHelpwrArian<\/strong><\/a> – gwasanaeth am ddim sy’n cael ei ddarparu gan y Gwasanaeth Arian a Phensiynau. Yn gwneud dewisiadau arian a phensiwn yn fwy clir. Yn torri trwy’r jargon a’r 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’n hawdd ac mae’n 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

\u25aa\ufe0fTurn2Us<\/strong><\/a>– elusen genedlaethol sydd yn cynnig help ymarferol i bobl sydd yn cael trafferthion ariannol.<\/p>\n\n\n\n

\u25aa\ufe0fLlywodraeth Cymru – Cael help gyda chostau byw<\/a> <\/strong>– 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

\u25aa\ufe0fLlinell Ddyled Genedlaethol – National Debtline<\/a> <\/strong>– 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":"

Mae dysgu sut i gyllidebu yn un o’r pethau pwysicaf i’w wneud i gadw dy ben uwchben y d\u0175r. Fel rhan o’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’r ffordd […]<\/p>\n","protected":false},"author":1,"featured_media":4165,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18,1625],"tags":[3701,2372,2658,3703,3702,3704,3705,3554,3580,3555,3581],"class_list":["post-7117","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting-saving","category-cyllidebu-a-chynilo-arian","tag-apiau-cyllidebu","tag-arian","tag-cyllideb","tag-cyllidebu","tag-cymorth-arian","tag-help-arian","tag-helpwrarian","tag-ymgyrch-argyfwng-costau-byw","tag-ymgyrch-costau-byw","tag-ymgyrch-costau-byw-meic","tag-ymgyrchcostaubyw"],"acf":[],"yoast_head":"\nCyngor Da i Greu Cyllideb - Meic<\/title>\n<meta name=\"description\" content=\"Rydym yn edrych ar sut i greu cyllideb syml, awgrymu offer cyllidebu ac edrych i weld os yw apiau cyllidebu yn opsiwn diogel.\" \/>\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\/2022\/11\/09\/cyngor-da-i-greu-cyllideb\/\" \/>\n<meta property=\"og:locale\" content=\"cy_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cyngor Da i Greu Cyllideb - 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