{"id":7276,"date":"2022-11-29T15:48:54","date_gmt":"2022-11-29T15:48:54","guid":{"rendered":"https:\/\/meic.cymru\/?p=7276"},"modified":"2025-11-13T14:40:20","modified_gmt":"2025-11-13T14:40:20","slug":"apiau-a-gwefannau-i-helpu-gyda-chostau-byw","status":"publish","type":"post","link":"https:\/\/meic.cymru\/cy\/2022\/11\/29\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/","title":{"rendered":"Apiau a Gwefannau i Helpu Gyda Chostau Byw"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">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\u00a0<a href=\"https:\/\/www.meiccymru.org\/cym\/ymgyrch-costau-byw-meic\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hymgyrch Argyfwng Costau Byw<\/a>, 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 bach ohonynt.\u00a0<\/h2>\n\n\n\n<p><strong>Clicia ar unrhyw un o\u2019r opsiynau isod i fynd yn syth i\u2019r adran yna:<\/strong><\/p>\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<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/#apiau-cyllidebu\">Apiau cyllidebu<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/#apiau-bancio\">Adnoddau Cyllidebu ar apiau bancio&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/#cwponau-bargeinion\">Cwponau \/ Bargeinion<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/#gwefannau-cymharu\">Gwefannau cymharu<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/#Tanysgrifiadau\">Tanysgrifiadau<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/#bwyd\">Bwyd<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/#dillad\">Dillad<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/#teithio\">Teithio<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/#arbed-arian-arall\">Mwy o ffyrdd i arbed arian<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/1908.i211.002.p.m004.c20.stationery-realistic-set-02-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/1908.i211.002.p.m004.c20.stationery-realistic-set-02-150x150.jpg\" alt=\"Calculator on blank background vector illustration - for Apps and Websites blog\" class=\"wp-image-5891\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Apiau cyllidebu<\/h3>\n\n\n\n<p>Gall apiau cyllidebu fod yn ffordd hawdd o gynllunio dy gyllideb a gweld faint rwyt ti\u2019n gwario bob mis. Efallai dy fod yn gwario mwy nag oeddet ti\u2019n meddwl ar rai pethau, a llai ar bethau eraill. Gall rhai hysbysu am danysgrifiadau ti ddim yn defnyddio! Gellir rhoi arian dros ben ar ddiwedd y mis ei roi mewn cyfrif cynilo yn awtomatig. Mae\u2019r apiau hyn yn gweithio drwy&nbsp;<a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/everyday-money\/banking\/open-banking-and-sharing-your-online-banking-information\" target=\"_blank\" rel=\"noreferrer noopener\">fancio agored<\/a>, sy\u2019n golygu fod angen i ti roi caniat\u00e2d i dy fanc i rannu dy fanylion efo\u2019r apiau gan ddefnyddio&nbsp;<a href=\"https:\/\/en.wikipedia.org\/wiki\/API\" target=\"_blank\" rel=\"noreferrer noopener\">API<\/a>. Dyma ambell i enghraifft:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/withplum.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Plum<\/a>\u00a0\u2013\u00a0 \u2018Pocedi\u2019 i gynilo arian sy\u2019n cael ei gadw\u00a0 ar wah\u00e2n i wario a chynilo fel arall. Rowndio bob pryniant i fyny a chynilo\u2019r gwahaniaeth. Gwneud un taliad awtomatig\u00a0 i gyfrif cynilo ar ddiwrnod cyflog. Gwybod os wyt ti\u2019n talu gormod ar dy filiau a darganfod cynigion.<\/li>\n\n\n\n<li><a href=\"https:\/\/emma-app.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Emma<\/a>\u2013 cysylltu dy gyfrifon i gyd mewn un lle. Rhagweld gwariant am y\u00a0 mis. Categoreiddio a gosod cyllideb. Cadw llygad ar daliadau rheolaidd a chael gwared ar danysgrifiadau diangen.<\/li>\n\n\n\n<li><a href=\"https:\/\/hyperjar.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">HyperJar<\/a>\u00a0\u2013 cerdyn rhagdaledig digidol neu faterol. Rhannu arian i wahanol \u2018jar\u2019. Cysylltu siopau i jar benodol (e.e. os wyt ti\u2019n siopa yn Aldi, cysyllta ef i jar \u2018bwyd\u2019). Ennill llog os wyt ti\u2019n gwario gyda chwmn\u00efau penodol. Creu jariau rhannu gwario gyda theulu, partner, neu rywun sy\u2019n byw gyda thi.<\/li>\n<\/ul>\n\n\n\n<p>Am wybodaeth bellach ar apiau cyllidebu, cymer olwg ar&nbsp;<a href=\"https:\/\/www.which.co.uk\/money\/money-saving-tips\/budgeting\/open-banking-budgeting-and-saving-apps-agc4k3n922td\">flog Which?<\/a>, cwmni dielw annibynnol sy\u2019n helpu cwsmeriaid i wneud penderfyniadau gwybodus.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Sicrha bod dy arian yn saff ar apiau cyllidebu wrth chwilio drwy\u2019r gofrestr&nbsp;<a href=\"https:\/\/register.fca.org.uk\/s\/\">gofrestr FCA<\/a>&nbsp;ac&nbsp;<a href=\"http:\/\/openbanking.org.uk\/\">Open Banking<\/a>. Bydd yn ymwybodol os wyt ti\u2019n rhoi arian yn un o\u2019r apiau yma, mae\u2019n bosib na fydd dy arian yn cael ei warchod dan y&nbsp;<a href=\"https:\/\/www.which.co.uk\/money\/savings-and-isas\/savings-accounts\/fscs-are-my-savings-safe-acjlu3l9hd48\">Cynllun Digolledu Gwasanaethau Ariannol<\/a>&nbsp;(FSCS).&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/wallet-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/wallet-150x150.jpg\" alt=\"Vector image of phone\/tablet with wallet, coins and notes on top of it - for Apps and Websites blog\" class=\"wp-image-5899\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Adnoddau Cyllidebu ar apiau bancio&nbsp;<\/h3>\n\n\n\n<p>Manteisia o\u2019r adnoddau cyllido sydd ar gael ar dy app bancio yn barod. Mae gan fanciau digidol fel Monzo a Revolut adnoddau cyllidebu gwych, ac mae banciau stryd fawr yn dal i fyny gyda nhw.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/monzo.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Monzo<\/a>\u00a0\u2013 rhanna dy arian i mewn i \u2018botiau\u2019 gwahanol i gadw dy gynilion ar wah\u00e2n i\u2019r gwario dydd-i-ddydd. Yn categoreiddio dy wariant yn awtomatig i wahanol gategor\u00efau fel bwyd, biliau, ayyb. Adroddiad gwario ar ddiwedd y mis.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app.html\" target=\"_blank\" rel=\"noreferrer noopener\">Natwest<\/a>\u00a0\u2013 mewnwelediadau gwario, gosod cyllideb ar gyfer gwahanol gategor\u00efau, gwirio sg\u00f4r credyd ayyb.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.santander.co.uk\/personal\/support\/ways-to-bank\/on-your-mobile\" target=\"_blank\" rel=\"noreferrer noopener\">Santander<\/a>\u00a0\u2013 cadw trac ar filiau, cadw llygaid ar wariant misol, a gweld pryd fydd arian yn dod i mewn.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lloydsbank.com\/online-banking\/mobile-banking.html\">Lloyds Bank<\/a>\u00a0\u2013 gosod cyfyngiadau misol ar wariant mewn gwahanol gategor\u00efau, creu cynllun a chadw llygad ar dy gynnydd.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.revolut.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Revolut<\/a>\u00a0\u2013 defnyddio Bancio Agored i weld dy holl gyfrifon, gosod cyfyngiadau i gadw o fewn cyllideb, mewnwelediadau wythnosol a dadansoddeg clyfar.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/voucer3-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/voucer3-150x150.jpg\" alt=\"voucher or ticket discount flat design colour\" class=\"wp-image-5898\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Cwponau \/Bargeinion<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/snoop.app\/?gclid=Cj0KCQiA1ZGcBhCoARIsAGQ0kkqdwLnDJzNimcMLH0IN4d10FHZxVWgqu14E25zxPvTxmnLDxYuKwjAaAgPkEALw_wcB\" target=\"_blank\" rel=\"noreferrer noopener\">Snoop<\/a>\u00a0\u2013 cadw trac o ble ti\u2019n siopa a rhannu codau gostyngiadau. Darganfod prisiau gwell ar gyfer ynni, ffonau symudol a band-eang. Cael dy atgoffa pan fydd angen adnewyddu a chanfod y bargeinion orau.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.joinhoney.com\/explore\" target=\"_blank\" rel=\"noreferrer noopener\">Honey<\/a>\u00a0\u2013 estyniad porwr am ddim sy\u2019n helpu i gael y bargeinion gorau wrth siopa ar-lein. Chwilio am godau ac yn eu defnyddio\u2019n awtomatig.\u00a0<\/li>\n\n\n\n<li><a href=\"https:\/\/www.vouchercloud.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Voucher Cloud<\/a>\u00a0\u2013 arbedion a gostyngiadau gwych i siopau a brandiau\u2019r stryd fawr.<\/li>\n\n\n\n<li><a href=\"https:\/\/chrome.google.com\/webstore\/detail\/keepa-amazon-price-tracke\/neebplgakaahbhdphmkckjjcegoiijjo?hl=en\" target=\"_blank\" rel=\"noreferrer noopener\">Keepa\u00a0<\/a>\u2013 tracio prisiau i gadw llygad ar newidiadau prisiau Amazon. Gosod hysbysiad pris am eitemau ar dy restr.<\/li>\n\n\n\n<li><a href=\"https:\/\/uk.camelcamelcamel.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">CamelCamelCamel\u00a0<\/a>\u2013 tracio prisiau sy\u2019n gadael i ti wybod pan fydd prisiau yn dod i lawr ar Amazon. Dangos hanes pris popeth sydd ar werth ar Amazon.\u00a0<\/li>\n\n\n\n<li><a href=\"https:\/\/www.idealo.co.uk\/\">Idealo<\/a>\u00a0\u2013 cymharu prisiau ar amrywiaeth o eitemau o wahanol siopau ar-lein i ganfod y lle gorau i brynu.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/17890-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/17890-150x150.jpg\" alt=\"Man choosing between two options yes and no. Vector stock illustration  - for Apps and Websites blog\" class=\"wp-image-5893\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Gwefannau cymharu&nbsp;<\/h3>\n\n\n\n<p>Mae yna wefannau cymharu arbennig os wyt ti eisiau chwilio am y fargen orau.&nbsp;<\/p>\n\n\n\n<p>Os wyt ti\u2019n chwilio am y prisiau rhataf am bethau fel biliau ynni, yswiriant (car, bywyd, t\u0177, cartref ayyb.) a chardiau credyd, yna rhai o\u2019r gwefannau mwyaf adnabyddus yw&nbsp;<a href=\"https:\/\/www.comparethemarket.com\/?AFFCLIE=FL54&amp;SRC=FL54&amp;cmpid=PC-_-GOG-_-AL-_-BRD-_-9poxh9PG9nP3VvS&amp;ds_rl=1251650&amp;ds_rl=1251650&amp;gclid=Cj0KCQiAsdKbBhDHARIsANJ6-jc3mOCoHDUz8YgHlu7BC91yVSCzLx1U17VNG9t5g0iXYLDSA4NTDpkaAo73EALw_wcB&amp;gclsrc=aw.ds\" target=\"_blank\" rel=\"noreferrer noopener\">Compare The Market<\/a>,&nbsp;<a href=\"https:\/\/www.confused.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Confused.com<\/a>,&nbsp;<a href=\"https:\/\/www.gocompare.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Go Compare<\/a>, a&nbsp;<a href=\"https:\/\/www.moneysupermarket.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">MoneySuperMarket<\/a>. Rwyt ti\u2019n rhoi dy fanylion i mewn ac yna byddi di\u2019n cael y bargeinion gorau sydd yn agored i ti o restr eang o ddarparwyr (er nid yw pob darparwr yn gwneud cynnig drwy\u2019r gwefannau yma).&nbsp;<\/p>\n\n\n\n<p>Os wyt ti\u2019n chwilio am gynnyrch penodol, defnyddia wefannau cymharu fel&nbsp;<a href=\"https:\/\/pricegrabber.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">PriceGrabber<\/a>;&nbsp;<a href=\"https:\/\/www.pricerunner.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">PriceRunner<\/a>;&nbsp;<a href=\"https:\/\/shopping.google.co.uk\/?pli=1\" target=\"_blank\" rel=\"noreferrer noopener\">Google Shopping<\/a>,&nbsp;<a href=\"https:\/\/www.kelkoo.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kelkoo<\/a>,&nbsp;<a href=\"https:\/\/www.idealo.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Idealo<\/a>&nbsp;ayb. Y gobaith yw y byddi di\u2019n darganfod y pris rhataf am rywbeth.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/20945302-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/20945302-150x150.jpg\" alt=\"Remote control. Streaming media, home networking access idea. Vector illustration - for Apps and Websites blog\" class=\"wp-image-5895\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Tanysgrifiadau<\/h3>\n\n\n\n<p>Os wyt ti\u2019n defnyddio Netflix, Disney+ neu Spotify ayyb., fedri di leihau dy gostau drwy rannu cyfrif deuol neu deulu gyda phobl eraill yn y t\u0177? Cadwa lygad ar dy danysgrifiadau. Chwilia i weld os oes bargen ar gael fel rhan o gontract ff\u00f4n er enghraifft. Os nad wyt ti\u2019n defnyddio\u2019r gwasanaeth premiwm, yna israddia!&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Mae hopio tanysgrifiadau yn opsiwn arall i\u2019w ystyried. Yn hytrach na chael sawl gwasanaeth ffrydio gwahanol, gallet ti danysgrifio i un. Gwylia neu wrando ar yr hyn rwyt ti eisiau, yna cansla\u2019r tanysgrifiad cyn tanysgrifio i rywun arall am gyfnod. Chwilia am fargeinion i gwsmeriaid newydd gyda gwasanaethau tanysgrifio eraill.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/ONZ74S0.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/ONZ74S0-150x150.jpg\" alt=\"Cartoon images of different food items like pizza, hot dog, boiled egg, fried egg, cheese wedge, loaf, donut etc\" class=\"wp-image-5896\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Bwyd&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/olioex.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Olio<\/a>\u00a0 \u2013 darganfod pobl\u00a0 yn dy ardal di sy\u2019n rhannu bwyd am ddim i osgoi gwastraff.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.savethestudent.org\/out\/approvedfood\" target=\"_blank\" rel=\"noreferrer noopener\">Approved food<\/a>\u00a0\u2013 gwerthu bwyd sydd wedi pasio ei ddyddiad \u2018best before\u2019 (ond nid dyddiad \u2018use-by\u2019) am brisiau is.\u00a0<\/li>\n\n\n\n<li><a href=\"https:\/\/toogoodtogo.co.uk\/en-gb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Too Good To Go<\/a>\u00a0\u2013 mae caffis, bwytai, bwydydd cyflym ac archfarchnadoedd yn defnyddio hwn i gael gwared ar fwyd fydda\u2019n cael ei wastraffu fel arall. Maent yn gwerthu \u2018bagiau hud\u2019 am bris rhad iawn.\u00a0\u00a0<\/li>\n\n\n\n<li><a href=\"https:\/\/kitche.co\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kitche<\/a>\u00a0\u2013 helpu i gadw trac o siopa bwyd. Hysbysu pan fydd dyddiad difetha\u2019r bwyd yn agos\u00e1u ac yn awgrymu ryseitiau.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.savethestudent.org\/save-money\/food-drink\/the-best-supermarket-cashback-apps.html\">Apiau arian yn \u00f4l archfarchnafoedd<\/a>\u00a0\u2013 weithiau mae posib cael 100% o arian yn \u00f4l (cashback) ar fwyd a diod, sy\u2019n golygu eu bod nhw am ddim, mwy neu lai.<strong>\u00a0 \u00a0\u00a0<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Os wyt ti angen defnyddio banc bwyd, cymer olwg ar&nbsp;<a href=\"https:\/\/www.savethestudent.org\/save-money\/food-drink\/food-banks.html\">flog Save the Student<\/a>, edrycha ar wefan y&nbsp;<a href=\"https:\/\/www.trusselltrust.org\/get-help\/find-a-foodbank\/\">Trussell Trust<\/a>, neu ar wefan dy awdurdod lleol i ddarganfod un agos i ti.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/Set-of-clothes-accessories-for-man-and-woman-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/Set-of-clothes-accessories-for-man-and-woman-150x150.jpg\" alt=\"Set of various clothes. Vector illustrations. Cartoon jeans shirt dress isolated on white.\" class=\"wp-image-5897\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Dillad<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.vinted.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Vinted<\/a>\u00a0a\u00a0<a href=\"https:\/\/www.depop.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">DePop<\/a>\u00a0\u2013 ffasiwn ail law a \u2018vintage\u2019. Bargeinion ar ddillad am ffracsiwn o\u2019r pris gwreiddiol \u2013weithiau mae\u2019r dillad yn newydd sbon, gyda thagiau!<\/li>\n\n\n\n<li><a href=\"https:\/\/regain-app.com\/\">ReGAIN app<\/a>\u00a0\u2013 cyfnewid hwn ddillad am daleb tuag at ddillad newydd.<\/li>\n\n\n\n<li>Gwefannau ail law \u2013 defnyddia wefannau fel\u00a0<a href=\"https:\/\/onlineshop.oxfam.org.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Oxfam<\/a>,\u00a0<a href=\"https:\/\/www.ebay.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">eBay<\/a>\u00a0a\u00a0<a href=\"https:\/\/marketplace.asos.com\/boutiques\/vintage?ctaref=mktp|nav|boutiques|vtg|viewall\" target=\"_blank\" rel=\"noreferrer noopener\">Asos Vintage<\/a>\u00a0i ddarganfod dillad. Dillad cwmn\u00efau drud am brisiau isel yn aml. Byddi di hefyd yn helpu\u2019r amgylchedd.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/24741-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/24741-150x150.jpg\" alt=\"Transportation vehicles with passengers drivers cyclist flat compositions set with people in train bus aircraft car vector illustration\" class=\"wp-image-5894\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Teithio<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.thetrainline.com\/trains\/great-britain\/split-tickets\">SplitSave<\/a>\u00a0\u2013 wrth brynu tocynnau tr\u00ean ar app Trainline, defnyddia \u2018SlpitSave\u2019 i arbed arian wrth rannu dy siwrne. Mae Trainline yn codi ffi i brynu tocynnau, felly pryna gyda\u2019r cwmni tr\u00ean yn uniongyrchol i arbed ar y ffioedd. Dysga fwy am gardiau rheilffordd, mae posib arbed llawer iawn os wyt ti\u2019n teithio\u2019r trenau yn aml.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.omio.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Omio<\/a>\u00a0\u2013 app cynllunio taith. Chwilia am y siwrne tr\u00ean neu fws rhataf a fwyaf sydyn.<\/li>\n\n\n\n<li>Apiau rhannu siwrne \u00e2\u2013 os wyt ti\u2019n byw mewn dinas, chwilia am apiau rhannu siwrne fel\u00a0<a href=\"https:\/\/www.blablacar.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Blablacar<\/a>. Galli di hyd yn oed gynnig lifft i rywun arall os wyt ti eisiau rhannu costau petrol!<\/li>\n\n\n\n<li><a href=\"https:\/\/www.parkopedia.co.uk\/#nativeApps\" target=\"_blank\" rel=\"noreferrer noopener\">Parkopedia<\/a>\u00a0\u2013 darganfod llefydd am ddim i barcio yn y ddinas.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-style-rounded\"><a href=\"https:\/\/www.meiccymru.org\/wp-content\/uploads\/2022\/11\/0297_flat_light_bulb-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/0297_flat_light_bulb-150x150.jpg\" alt=\"Lightbulb vector illustration\" class=\"wp-image-5892\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Mwy o ffyrdd i arbed arian<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.borrowbox.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">BorrowBox<\/a>\u00a0\u2013 amrywiaeth eang o e-lyfrau ac e-lyfrau llafar i lawrlwytho.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.splitwise.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Splitwise<\/a>\u00a0\u2013 os wyt ti angen rhannu costau gyda theulu neu ffrindiau, mae posib defnyddio hwn i gadw llygad ar bwy sydd wedi talu am be, a pwy sydd angen rhoi arian i bwy.<\/li>\n\n\n\n<li><a href=\"https:\/\/monzo.com\/features\/ifttt\/\" target=\"_blank\" rel=\"noreferrer noopener\">IFTTT via Monzo<\/a>\u00a0\u2013 os oes gen ti gyfrif Monzo, mae IFTTT (\u2018if this, then that\u2019) yn cysylltu i wasanaethau fel Calendr Google, Twitter a Dropbox, yn rhoi cyfarwyddiadau i yrru pres i botiau cynilo. Er enghraifft, mae defnyddwyr yn gallu creu cysylltiad rhwng Google a Monzo, felly pan fyddi di\u2019n gofyn i Google Assistant o \u2018gynilo \u00a35\u2019, bydd y swm yn cael ei symud i bot cynilo yn syth.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><a href=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/costoflivingcrisiscampaign.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"315\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/costoflivingcrisiscampaign-1024x315.jpg\" alt=\"Cost of Living Crisis Campaign banner in Welsh\" class=\"wp-image-7282\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/costoflivingcrisiscampaign-1024x315.jpg 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/costoflivingcrisiscampaign-300x92.jpg 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/costoflivingcrisiscampaign-768x236.jpg 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/costoflivingcrisiscampaign-1536x473.jpg 1536w, https:\/\/meic.cymru\/wp-content\/uploads\/2025\/11\/costoflivingcrisiscampaign.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Cymorth pellach<\/h3>\n\n\n\n<p><strong><a href=\"https:\/\/www.meiccymru.org\/cym\/\">Meic<\/a><\/strong>&nbsp;\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&nbsp;<a href=\"https:\/\/www.meiccymru.org\/cym\/\">cysyllta \u00e2 Meic<\/a>&nbsp;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<p><a href=\"https:\/\/www.moneyhelper.org.uk\/cy\"><strong>HelpwrArian<\/strong><\/a>&nbsp;\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&nbsp;<a href=\"https:\/\/www.moneyhelper.org.uk\/cy\">ar-lein<\/a>, gyrra neges ar WhatsApp +44 77 0134 2744 neu ffonia 0800 138 7777.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.turn2us.org.uk\/\"><strong>Turn2Us<\/strong><\/a>\u2013 elusen genedlaethol sydd yn cynnig help ymarferol i bobl sydd yn cael trafferthion ariannol.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/llyw.cymru\/cael-help-gyda-chostau-byw\" target=\"_blank\" rel=\"noreferrer noopener\">Llywodraeth Cymru \u2013 Cael help gyda chostau byw<\/a>&nbsp;<\/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<p><strong><a href=\"https:\/\/nationaldebtline.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Llinell Ddyled Genedlaethol \u2013 National Debtline<\/a>&nbsp;<\/strong>\u2013 Elusen yn cynnig cyngor dyled am ddim i bobl yn y DU. Mae ganddynt&nbsp;<a href=\"https:\/\/nationaldebtline.org\/cost-living-hub-ew\/\">hwb costau byw<\/a>&nbsp;sydd yn cynnwys y wybodaeth ddiweddaraf am y cymorth sydd ar gael.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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;]<\/p>\n","protected":false},"author":3,"featured_media":4208,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1625,1659],"tags":[3939,3542,2372,3940,3941,3560,3543,3703,3570,2846,3942,3547,3563,3533,3943,3555],"class_list":["post-7276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cyllidebu-a-chynilo-arian","category-diogelwch-ar-lein","tag-apiau","tag-argyfwng-costau-byw","tag-arian","tag-bancio","tag-codau","tag-comparison-cy","tag-costau-byw","tag-cyllidebu","tag-cymharu","tag-cynilo-arian","tag-gwefannau","tag-help-gyda-costau-byw","tag-help-with-the-cost-of-living-cy","tag-meic-cost-of-living-campaign-cy","tag-talebau","tag-ymgyrch-costau-byw-meic"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apiau a Gwefannau i Helpu Gyda Chostau Byw - Meic<\/title>\n<meta name=\"description\" content=\"Edrychwn ar rai apiau a gwefannau i helpu aros i gyllideb ac arbed arian. 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