{"id":6702,"date":"2017-04-25T09:31:50","date_gmt":"2017-04-25T09:31:50","guid":{"rendered":"http:\/\/youngwrexham.co.uk\/cy\/?p=6702"},"modified":"2017-05-15T14:17:53","modified_gmt":"2017-05-15T14:17:53","slug":"cyllidebu","status":"publish","type":"post","link":"https:\/\/youngwrexham.co.uk\/cy\/cyllidebu\/","title":{"rendered":"Cyllidebu"},"content":{"rendered":"<p>Os ydych yn ei chael yn anodd cael dau ben llinyn ynghyd ac yn gwario mwy o arian nag yr ydych yn ei ennill, rydych angen gwneud rhywbeth amdano.\u00a0 Gall mynd i <strong><a href=\"https:\/\/youngwrexham.co.uk\/cy\/info\/money\/dyled\/\">DDYLED<\/a><\/strong> effeithio arnoch am flynyddoedd i ddod.<br \/>\nOs ydych yn cefnogi eich hun am y tro cyntaf, efallai wrth ichi adael cartref neu fynd i\u2019r coleg, byddwch angen talu am lawer o bethau fel rhent, biliau a bwyd. Mae\u2019n syniad da gosod <strong>CYLLIDEB<\/strong> o\u2019r dechrau, er mwyn sicrhau bod gennych arian i dalu am bopeth, fel nad ydych yn mynd i ddyled a bod gennych rywfaint dros ben i fwynhau eich hun!<br \/>\nY peth cyntaf rydych angen ei wneud yw ysgrifennu rhestr o <strong>GOSTAU<\/strong> fel rhent, biliau, bwyd a diod, teithio, gweithgareddau hamdden, ad-daliadau ar gardiau a benthyciadau ac ati. Yna rydych angen ysgrifennu rhestr o\u2019ch <strong>INCWM<\/strong>\u00a0 fel cyflog, budd-daliadau ac arian arall (e.e. arian gan rieni).\u00a0 Yna tynnwch y Costau o\u2019ch Incwm. Os nad oes gennych ddigon, rydych naill ai angen dod o hyd i ffordd i leihau eich costau neu i gynyddu eich incwm, o bosibl gyda swydd rhan-amser neu drwy weithio mwy o oriau.\u00a0 Os oes yna unrhyw arian dros ben, gallech gadw swm realistig ar gyfer mynd allan, prynu dillad\/llyfrau\/cerddoriaeth ac ati yna gallech gadw arian ar gyfer <strong><a href=\"https:\/\/youngwrexham.co.uk\/cy\/info\/money\/banciau-a-chymdeithasau-adeiladu\/\">CYNILION.<\/a><\/strong> Gallai hyn fod yn wyliau, rhywbeth arbennig neu ar gyfer diwrnod glawog!<br \/>\nMae cyllideb yn amcangyfrif o\u2019r hyn fyddai eich incwm, a\u2019r hyn rydych yn debyg o\u2019i wario yn unig.\u00a0 Mae\u2019n bwysig cadw golwg ar eich incwm a chostau gwirioneddol i wneud yn si\u0175r bod eich cyllideb yn gywir.\u00a0 Mae\u2019n syniad da cadw llyfr nodiadau a nodi popeth rydych yn ei wario, yna gallwch adolygu eich cyllideb yn rheolaidd ac efallai y cewch syniadau yngl\u0177n \u00e2 lle gallech arbed arian \u2013 peidio prynu llawer o baneidiau drud pan fyddwch allan er enghraifft.<br \/>\nOs oes gennych broblem gydag arian\/dyled neu gwestiwn amdano gallwch:<\/p>\n<p><a href=\"https:\/\/youngwrexham.co.uk\/cy\/info\/info-shop\/\">Ofyn i staff yn y Siop Wybodaeth<\/a><\/p>\n<p>Cysylltu \u00e2\u2019ch <a href=\"https:\/\/www.citizensadvice.org.uk\/\">CAB<\/a> eol<\/p>\n<p><a href=\"https:\/\/www.nationaldebtline.org\/\">Cysylltu \u00e2\u2019r Llinell Ddyled Genedlaethol\u00a0<\/a><\/p>\n<p><a href=\"https:\/\/www.stepchange.org\/\">Cysylltu ag Elusen Ddyled Step Change<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Os ydych yn ei chael yn anodd cael dau ben llinyn ynghyd ac yn gwario mwy o arian nag yr ydych yn ei ennill, rydych angen gwneud rhywbeth amdano.\u00a0 Gall&#8230;<\/p>\n","protected":false},"author":5,"featured_media":6442,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1,9],"tags":[],"class_list":["post-6702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-heb-eu-hagor","category-pethau-i-wneud"],"acf":[],"_links":{"self":[{"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/posts\/6702","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/comments?post=6702"}],"version-history":[{"count":2,"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/posts\/6702\/revisions"}],"predecessor-version":[{"id":7026,"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/posts\/6702\/revisions\/7026"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/media\/6442"}],"wp:attachment":[{"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/media?parent=6702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/categories?post=6702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/youngwrexham.co.uk\/cy\/wp-json\/wp\/v2\/tags?post=6702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}