{"id":8494,"date":"2022-11-01T08:03:00","date_gmt":"2022-11-01T08:03:00","guid":{"rendered":"https:\/\/meic.cymru\/2022\/11\/01\/guest-blog-advice-maps\/"},"modified":"2025-12-16T11:57:13","modified_gmt":"2025-12-16T11:57:13","slug":"guest-blog-advice-maps","status":"publish","type":"post","link":"https:\/\/meic.cymru\/cy\/2022\/11\/01\/guest-blog-advice-maps\/","title":{"rendered":"Blog Gwadd: Cyngor gan Wasanaeth Arian a Phensiynau"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\" id=\"block-ceb44200-1bee-49d6-b8a0-7ff616be5170\">Gofynnom i&#8217;r bobl o&#8217;r <a href=\"https:\/\/maps.org.uk\/cy\/home-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gwasanaeth Arian a Phensiynau<\/a> os hoffent ysgrifennu blog gwadd i Meic fel rhan o&#8217;n <a href=\"https:\/\/www.meiccymru.org\/cym\/ymgyrch-costau-byw-meic\/\">Hymgyrch Argyfwng Costau Byw<\/a>. Derbyniwyd, ac maent wedi rhannu llwyth o wybodaeth a cyngor defnyddiol.<\/h3>\n\n\n\n<p id=\"block-3cce18c8-53ec-4619-ad79-15e7a098ad7d\">Mae gan Sarah Horscroft a Lee Phillips o\u2019r <a href=\"https:\/\/maps.org.uk\/cy\/home-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gwasanaeth Arian a Phensiynau<\/a> gyngor a syniadau i rannu gyda thi am sut i gael mynediad at gefnogaeth os wyt ti&#8217;n berson ifanc sydd yn poeni am gostau byw. Mae ganddynt hefyd gyngor ar sut i reoli dy arian, boed dy fod yn dechrau byw yn annibynnol neu am gefnogi teulu mewn amser heriol.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><a href=\"https:\/\/maps.org.uk\/cy\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"87\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/gwasanaeth-arian-a-phensiynau.png\" alt=\"Logo Gwasanaeth Arian a Phensiynau, siapiau sgw\u00e2r a'r enw mewn glas\" class=\"wp-image-8503\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-d6c8a29a-c373-4f3c-99b4-9ec9437a3d17\">Mae poeni am arian yn normal<\/h3>\n\n\n\n<p id=\"block-21d1c7ab-9ebc-4c5d-8399-fa00b1072a03\">Mae arian yn rhywbeth mae\u2019n rhaid i ni ddelio ag ef yn ddyddiol ac mae cynnydd yng nghostau byw yn rhywbeth rydym yn gweld yn gyson ar y teledu, gyda phobl yn siarad am gostau bwyd a gwresogi ein cartrefi. Mae\u2019n ddealladwy bod nifer yn teimlo\u2019n bryderus.<\/p>\n\n\n\n<p id=\"block-ee199948-d3d1-45a1-a2f2-cf4def065dab\">Mae\u2019n profi pryderon ariannol yn beth arferol, ond mae&#8217;n well eu hwynebu yn hytrach nag anwybyddu bob tro. Boed dy fod yn symud allan o\u2019r cartref, newydd raddio, neu wedi dechrau dy swydd gyntaf, os gallet ti ddatrys pethau sylfaenol gyda dy arian nawr, byddi di&#8217;n ei chael yn haws cyrraedd targedau arian mawr yn y dyfodol.<\/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\/10\/Feb-Business_9-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/Feb-Business_9-150x150.jpg\" alt=\"Illustration. Person sat on floor cross legged with laptop on knee and hand to head with puzzled expression. Large question mark on right hand side. For advice guest blog\" class=\"wp-image-5704\"\/><\/a><\/figure>\n\n\n\n<p id=\"block-049e2ad5-6c2b-451e-8a57-9898ccadd79a\">Pan rwyt ti&#8217;n dechrau cefnogi dy hun yn ariannol, mae nifer o bethau i\u2019w hystyried: dechreua gan feddwl am dy berthynas ag arian, efallai bod pethau&#8217;n well nag oeddet ti&#8217;n ei ddisgwyl.<\/p>\n\n\n\n<p id=\"block-f08cfcd9-8cd1-4092-9fc7-c77759a5c101\">Mae&#8217;r cwestiynau isod yn le da i gychwyn:<\/p>\n\n\n\n<ul id=\"block-5c91a1b6-cc3d-451e-8abd-c28d50a63545\" class=\"wp-block-list\">\n<li>Oes well gen ti fyw am heddiw neu gynllunio am yfory? A pham fod hyn?<\/li>\n\n\n\n<li>Wyt ti&#8217;n hyderus yn rheoli arian? A pham fod hyn?<\/li>\n\n\n\n<li>Wyt ti&#8217;n meddwl ei fod yn bwysig cadw cofnod o&#8217;r arian sy\u2019n dod i mewn ac yn mynd allan? Pam\/pam ddim?<\/li>\n\n\n\n<li>Wyt ti&#8217;n hoffi siopa o gwmpas fel bod arian mynd ymhellach neu wyt ti&#8217;n prynu ar awydd?<\/li>\n\n\n\n<li>Wyt ti&#8217;n siarad am arian?<\/li>\n\n\n\n<li>Beth yw dy agwedd tuag at wario, cynilo a benthyg arian?<\/li>\n\n\n\n<li>Sut oedd \u00a0dy deulu yn rheoli arian wrth i ti dyfu?<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/botwm-cychwyn-150x150.png\" alt=\"Botwm coch gyda llygoden cyfrifiadur yn pwyntio ato gyda'r gair CYCHWYN arno\" class=\"wp-image-8505\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/botwm-cychwyn-150x150.png 150w, https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/botwm-cychwyn-300x300.png 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/botwm-cychwyn-1024x1024.png 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/botwm-cychwyn-768x768.png 768w, https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/botwm-cychwyn.png 1080w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-2f355a57-7761-4fd1-8c29-b6ae04f6dfe7\">Ble ydw i\u2019n cychwyn?<\/h3>\n\n\n\n<p id=\"block-93e8285f-e1a9-4710-b34e-f8d8c24cb5df\">Er gall cefnogi dy hunan yn ariannol deimlo&#8217;n ormod ar y cychwyn, mae ein gwefan HelpwrArian yn rhestru\u2019r pethau pwysicaf i\u2019w hystyried <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/everyday-money\/budgeting\/supporting-yourself-financially-a-guide-for-young-adults-aged-16-to-24\" target=\"_blank\" rel=\"noreferrer noopener\">os wyt ti rhwng 16 a 24<\/a>. Gallet ti hefyd ddefnyddio ein canllawiau i gadw ar y trywydd &nbsp;cywir gyda dy arian.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p id=\"block-cf885a78-6f57-4062-b175-e66223890e5d\"><strong>\u201cDwi\u2019n anobeithiol gydag arian, mae pawb yn gwybod hynny\u201d<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p id=\"block-347366f2-2c53-41a6-a843-22a3ddee5efd\">Nid yw&#8217;r ffordd rwyt ti wedi delio ag arian yn y gorffennol yn meddwl mai dyma sut fyddi di yn y dyfodol. Wrth i ti dyfu fel person, mae dy flaenoriaethau yn newid a bydd y bobl sydd o\u2019th gwmpas yn deall hynny.<\/p>\n\n\n\n<p id=\"block-958d2466-8ac6-4e9f-95f2-6f3c7f3c8d85\">Y cam cyntaf i fod yn arbenigwr arian sy\u2019n gwybod yn union beth maen nhw&#8217;n siarad amdano yw trefnu dy gyllideb. Bydd angen rhoi ymdrech i mewn, ond mae\u2019n ffordd wych i gael cipolwg o\u2019r arian sydd yn dod i mewn ac allan. Mae creu cyllideb yn meddwl dy fod:<\/p>\n\n\n\n<ul id=\"block-1b4ea853-5cc9-425a-999a-78562643e172\" class=\"wp-block-list\">\n<li>Yn llai tebygol o fynd i ddyled<\/li>\n\n\n\n<li>Yn llai tebygol o gael dy ddal allan gyda chostau annisgwyl<\/li>\n\n\n\n<li>Yn fwy tebygol o gael statws credyd da<\/li>\n\n\n\n<li>Mewn sefyllfa well i gynilo am wyliau, car, neu tr\u00eet arall<\/li>\n<\/ul>\n\n\n\n<p id=\"block-06fe97e5-6269-464c-bae6-a485744fbfb0\">I ddechrau gallet ti ddefnyddio <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/everyday-money\/budgeting\/budget-planner\" target=\"_blank\" rel=\"noreferrer noopener\">Cynlluniwr Cyllideb<\/a> HelpwrArian sydd yn hawdd i&#8217;w ddefnyddio ac am ddim.<\/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\/10\/25494-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/25494-150x150.jpg\" alt=\"Illustration of a piggybank For advice guest blog\" class=\"wp-image-5705\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-d373b3b7-7415-4351-97fb-208d536bec51\">Awgrymiadau ac adnoddau arbed arian<\/h3>\n\n\n\n<p id=\"block-3998d497-ef75-4f0f-8a0b-7df6416362d1\"><strong>Yn y Brifysgol? <\/strong>Edrycha ar ein <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/family-and-care\/student-and-graduate-money\/budgeting-for-college-or-university\" target=\"_blank\" rel=\"noreferrer noopener\">hawgrymiadau a chanllawiau i fyfyrwyr prifysgol<\/a><\/p>\n\n\n\n<p id=\"block-30361482-2cba-4e01-9d0b-c695a6e116dc\"><strong>Defnyddio\u2019r bws neu dr\u00ean?<\/strong> Os wyt ti&#8217;n defnyddio trenau\u2019n aml, sicrha dy fod yn cael Cerdyn Rheilffordd 16-25 gan ei fod yn arbed traean ar brisiau tr\u00ean. Os wyt ti rhwng 16 a&nbsp;21&nbsp;oed ac yn byw yng Nghymru, gallet ti wneud cais am&nbsp;<a href=\"https:\/\/mytravelpass.tfw.wales\/cy\" target=\"_blank\" rel=\"noreferrer noopener\">FyNgherdynTeithio<\/a>. Gallet ti gael gostyngiad o un rhan o dair wrth deithio ar fysiau.&nbsp;<\/p>\n\n\n\n<p id=\"block-0896750e-1979-45e7-8b63-b94503e8ca07\"><strong>Mae byw yng Nghymru <\/strong>yn golygu y gallet ti <a href=\"https:\/\/llyw.cymru\/cael-help-gyda-chostau-byw\" target=\"_blank\" rel=\"noreferrer noopener\">gael mynediad at gymorth ychwanegol<\/a> gan Lywodraeth Cymru<\/p>\n\n\n\n<p id=\"block-ad55ade7-56f2-4b88-bdad-add015a8dba1\"><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail\"><a href=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/START-1.png\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/START-1-150x150.png\" alt=\"Illustration of green tick For advice guest blog\" class=\"wp-image-5717\"\/><\/a><\/figure>\n\n\n\n<p id=\"block-ad55ade7-56f2-4b88-bdad-add015a8dba1\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-719e41d4-17c9-4bb1-99cf-c42a4aa037e6\">Blaenoriaethu<\/h3>\n\n\n\n<p id=\"block-5b7a6ca6-244f-4654-b2d7-39eb193357a5\">Os wyt ti neu dy deulu\u2019n cael trafferth, gall <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/money-troubles\/way-forward\/bill-prioritiser\" target=\"_blank\" rel=\"noreferrer noopener\">cynlluniwr cyllideb gyflym<\/a>, hawdd i\u2019w ddefnyddio HelpwrArian dy helpu i ddeall pa filiau a thaliadau i gychwyn \u00e2 nhw a sut i osgoi methu unrhyw daliadau.<\/p>\n\n\n\n<p id=\"block-42853b8d-5399-4399-a463-4fdfbf587110\">Os wyt ti wedi <strong>methu taliad<\/strong>, paid poeni ar ben dy hun. Gall helpu i siarad \u00e2 chynghorydd dyled hyfforddedig a phrofiadol am dy sefyllfa i benderfynu beth yw&#8217;r ateb gorau i ti. Defnyddia <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/money-troubles\/dealing-with-debt\/use-our-debt-advice-locator\" target=\"_blank\" rel=\"noreferrer noopener\">declyn lleoli cyngor dyled HelpwrArian<\/a> i ddarganfod cefnogaeth gyfagos, naill ai ar-lein, dros y ff\u00f4n, neu\u2019n wyneb yn wyneb.<\/p>\n\n\n\n<p id=\"block-f0b58312-3a8a-4aef-8e18-e77c5284911d\">Yn aml, mae cysylltiad rhwng trafferthion ariannol a lles meddyliol gwael. Gall teimlo\u2019n isel ei wneud yn anodd rheoli arian \u2013 a gall poeni amdano wneud i ti deimlo\u2019n waeth byth. Dysga fwy am <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\/everyday-money\/budgeting\/money-problems-and-poor-mental-wellbeing\" target=\"_blank\" rel=\"noreferrer noopener\">broblemau arian a lles meddyliol gwael<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-thumbnail is-resized is-style-rounded\"><a href=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/12.jpg\"><img decoding=\"async\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2025\/07\/12-150x150.jpg\" alt=\"Illustration of fingers taking a note from a wad of notes with pound symbol on them.\" class=\"wp-image-5715\" style=\"width:130px;height:130px\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-8b2f6612-662a-455d-9607-71df3df1d0be\">Newyddion da efallai nad wyt ti&#8217;n ymwybodol ohono&#8230;<\/h3>\n\n\n\n<p id=\"block-5ce229bb-5807-4b40-80e5-32a7649551c0\">Os wyt ti wedi cael dy &nbsp;eni yn y DU rhwng 1 Medi 2002 a 2 Ionawr 2011, mae\u2019n debyg y bydd gen ti <a href=\"https:\/\/www.meiccymru.org\/cym\/cronfa-ymddiriedolaeth-plant\/\">gronfa ymddiriedolaeth plant<\/a> \u2013 math o gyfrif cynilo \u2013 boed dy rieni\/gwarchodwyr wedi agor cyfrif i ti neu beidio.<\/p>\n\n\n\n<p id=\"block-43d212d1-31a3-4c11-943b-b1981fbc07f8\">Rhoddodd Llywodraeth y DU gyfraniad o \u00a3250 neu \u00a3500 i bob plentyn ganwyd i agor cyfrif. Roedd Llywodraeth Cymru hefyd wedi cyfrannu at rai o\u2019r cyfrifon. Hyd yn oed os na chafodd arian ychwanegol ei ychwanegu at y cyfrif, dylai fod rhywbeth yno i ti o hyd \u2013 gall hyn fod yn rhywbeth o rai cannoedd i dros \u00a31000. Os wyt ti&#8217;n 16 neu&#8217;n 17 oed rwyt ti bellach yn cael rheoli&#8217;r cyfrif yma dy hun &nbsp;ond nid wyt ti&#8217;n cael mynediad i&#8217;r arian nes byddi di&#8217;n 18 oed. Mae&#8217;r <a href=\"https:\/\/www.youtube.com\/watch?v=stdArh308tk\" target=\"_blank\" rel=\"noreferrer noopener\">fideo yma<\/a> yn esbonio&#8217;r cyfan.<\/p>\n\n\n\n<p id=\"block-ac184f10-20b2-499f-a619-402545cd2815\">Beth bynnag dy sefyllfa, cofia fod cymorth ar gael. Cysyllta \u00e2 <a href=\"https:\/\/www.moneyhelper.org.uk\/cy\" target=\"_blank\" rel=\"noreferrer noopener\">HelpwrArian<\/a> am gyngor am ddim gallet ti ymddiried ynddo.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"315\" src=\"https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/baner-ymgyrch-costau-byw.png\" alt=\"Baner ymgyrch costau byw meic. Dyn yn cerdded a'r rhaff tynn gyda arian papur gyda adenydd yn hedfan o gwmpas ei ben\" class=\"wp-image-8507\" srcset=\"https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/baner-ymgyrch-costau-byw.png 1024w, https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/baner-ymgyrch-costau-byw-300x92.png 300w, https:\/\/meic.cymru\/wp-content\/uploads\/2022\/11\/baner-ymgyrch-costau-byw-768x236.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"block-7ed01273-6583-4efb-ac42-6dc893a7cfdb\">Eisiau siarad?<\/h3>\n\n\n\n<p id=\"block-71e3b1de-603a-454b-8388-5079ff6af24c\">Os wyt ti angen siarad y gyfrinachol am unrhyw beth sydd yn dy boeni, bod hynny\u2019n ymwneud ag arian neu unrhyw beth arall, yna mae&nbsp;Meic&nbsp;yma i wrando a chynnig cyngor bob dydd rhwng 8yb a hanner nos. Manylion cyswllt isod.<\/p>\n\n\n\n<p id=\"block-a6f24b4f-a931-41b7-8b9c-da094d05898c\">Cer i weld ein <a href=\"https:\/\/www.meiccymru.org\/cym\/ymgyrch-costau-byw-meic\/\">hymgyrch Argyfwng Costau Byw<\/a> am flogiau eraill. Mae yna lawer o wasanaethau a sefydliadau gwych o gwmpas fydd yn gallu helpu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.meiccymru.org\/cym\/apiau-a-gwefannau-i-helpu-gyda-chostau-byw\/\">Apiau a Gwefannau i Helpu Gyda Chostau Byw <\/a><\/strong>&#8211; Blog MeicMove upMove downToggle panel: Yoast SEO<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>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;]<\/p>\n","protected":false},"author":1,"featured_media":4132,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1643,1625,1644],"tags":[3542,2372,3543,3596,1702,1698,1699,1886,1700,3704,3547,4772,3705,1703,3554,3580,3555,3581,3182],"class_list":["post-8494","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cronfa-ymddiriedolaeth-plant","category-cyllidebu-a-chynilo-arian","category-dyled-a-chredyd","tag-argyfwng-costau-byw","tag-arian","tag-costau-byw","tag-costaubyw","tag-cymorth","tag-cyngor","tag-eiriolaeth","tag-gwybodaeth","tag-help-2","tag-help-arian","tag-help-gyda-costau-byw","tag-helpwr-arian","tag-helpwrarian","tag-llinell-gymorth","tag-ymgyrch-argyfwng-costau-byw","tag-ymgyrch-costau-byw","tag-ymgyrch-costau-byw-meic","tag-ymgyrchcostaubyw","tag-ymgyrchoedd-meic"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - 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