techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: The recent research by the Children's Social Care Research and Development Centre at Cardiff University commissioned by the Welsh Government saw an increase of 87 per cent in the rate of children in care from 2004 to 2020. And what surprises me is the huge variation within local authorities - so, Torfaen, an increase of 251 per cent, whilst Carmarthenshire has no increase whatsoever - and the local variations between somewhere like Torfaen and Newport. The fact that a child in Torfaen is five times more likely to enter the care system than a child in Carmarthenshire is totally wrong. Now, this information is not new; as you mentioned, it was in the Thomas report, something I became aware of around four years ago. So, can we please have an update from your programme for government of what you're doing to reduce the risk of children entering the care system, and why do we have such a huge variation between local authorities in Wales? Diolch yn fawr.
Welsh: Dangosodd y gwaith ymchwil diweddar gan y Ganolfan Ymchwil a Datblygu Gofal Cymdeithasol Plant ym Mhrifysgol Caerdydd a gomisiynwyd gan Lywodraeth Cymru gynnydd o 87 y cant i gyfradd y plant mewn gofal rhwng 2004 a 2020. A'r hyn sy'n fy synnu i yw'r amrywiad enfawr o fewn awdurdodau lleol - felly, Torfaen, cynnydd o 251 y cant, ond ni fu unrhyw gynnydd o gwbl yn sir Gaerfyrddin - a'r amrywiadau lleol rhwng rhywle fel Torfaen a Chasnewydd. Mae'r ffaith bod plentyn yn Nhorfaen bum gwaith yn fwy tebygol o fynd i mewn i'r system ofal na phlentyn yn sir Gaerfyrddin yn gwbl anghywir. Nawr, nid yw'r wybodaeth hon yn newydd; fel y gwnaethoch chi sôn, roedd yn adroddiad Thomas, rhywbeth y gwnes i ddod yn ymwybodol ohono ryw pedair blynedd yn ôl. Felly, a allwn ni gael yr wybodaeth ddiweddaraf, os gwelwch yn dda, o'ch rhaglen lywodraethu am yr hyn yr ydych chi'n ei wneud i leihau'r risg y bydd plant yn mynd i mewn i'r system ofal, a pham mae gennym ni amrywiad mor enfawr rhwng awdurdodau lleol yng Nghymru? Diolch yn fawr.
English: Well, thank you very much to Rhys ab Owen.
Welsh: Wel, diolch yn fawr i Rhys ab Owen.
English: First Minister, in June last year, it was reported that Wales has the highest proportion of children in the UK being cared for by the state. There were 7,170 children being looked after away from home in Wales, which is actually 1.14 per cent of the children. As you and my colleague Rhys ab Owen mentioned, the rate has increased significantly here in Wales, and this trend is a cause for concern, particularly the impact on the outcomes for children who are taken into care in terms of educational attainment, health, unemployment, homelessness and criminal justice. However, there are local significant variations across local authorities here in Wales. Evidence suggests that these differences are linked to the interaction between safeguarding practices, levels of deprivation and parental factors, and there tends to be a greater emphasis in Wales on finding permanent placements for children, rather than achieving reunification between birth families and their children, even though reunification is desired by many families. So, First Minister, since the responsibility for children in care does not fall into social services departments alone - and I know you mentioned in your previous answer the focus is on local governments, as well as the courts - and that a range of agencies do in fact provide services for children and families at risk, what is the Government specifically doing to improve working practices to facilitate better experiences and outcomes for those who come into contact with these services? Thank you.
Welsh: Prif Weinidog, ym mis Mehefin y llynedd, adroddwyd mai Cymru sydd â'r gyfran uchaf o blant yn y DU sy'n derbyn gofal gan y wladwriaeth. Roedd 7,170 o blant yn derbyn gofal oddi cartref yng Nghymru, sef 1.14 y cant o'r plant mewn gwirionedd. Fel y gwnaethoch chi a fy nghyd-Aelod Rhys ab Owen sôn, mae'r gyfradd wedi cynyddu'n sylweddol yma yng Nghymru, ac mae'r duedd hon yn destun pryder, yn enwedig yr effaith ar y canlyniadau i blant sy'n cael eu derbyn i ofal o ran cyrhaeddiad addysgol, iechyd, diweithdra, digartrefedd a chyfiawnder troseddol. Fodd bynnag, ceir amrywiadau sylweddol lleol ar draws awdurdodau lleol yma yng Nghymru. Mae tystiolaeth yn awgrymu bod y gwahaniaethau hyn yn gysylltiedig â'r rhyngweithio rhwng arferion diogelu, lefelau amddifadedd a ffactorau rhieni, ac mae tuedd i roi mwy o bwyslais yng Nghymru ar ddod o hyd i leoliadau parhaol i blant, yn hytrach nag ailuno teuluoedd biolegol â'u plant, er bod llawer o deuluoedd yn dymuno gweld ailuno. Felly, Prif Weinidog, gan nad yw'r cyfrifoldeb am blant mewn gofal yn nwylo adrannau gwasanaethau cymdeithasol yn unig - ac rwy'n gwybod eich bod chi wedi sôn yn eich ateb blaenorol fod y pwyslais ar lywodraethau lleol, yn ogystal â'r llysoedd - a bod amrywiaeth o asiantaethau mewn gwirionedd yn darparu gwasanaethau i blant a theuluoedd sydd mewn perygl, beth mae'r Llywodraeth yn ei wneud yn benodol i wella arferion gwaith i hwyluso gwell profiadau a chanlyniadau i'r rhai sy'n dod i gysylltiad â'r gwasanaethau hyn? Diolch.
English: Well, Llywydd, there are already things that we are doing as a Government. That includes the focus that my colleague Julie Morgan has brought to do this over the last three years. It includes working with the ADSS, the Association of Directors of Social Services, to promote the things that we know work in different parts of Wales. It's striking to me that in Carmarthenshire, which we mentioned earlier, there is a single director in charge of both education and social services, making sure that schools play their part in helping those families to stay together. In the budget that was passed on the floor of the Senedd here only last week, we have a new funding stream to provide advocacy for families at risk of having their children taken into public care, to make sure that, when those decisions are being made, the voice of the family is heard as powerfully as any professional involved in that decision. That's just one of a range of actions, Llywydd, that we are taking, and the determination of the Welsh Government to align ourselves with the need to reduce the number of children in public care in Wales is unwavering.
Welsh: Wel, Llywydd, mae pethau rydym ni eisoes yn eu gwneud fel Llywodraeth. Mae hynny'n cynnwys y pwyslais y mae fy nghyd-Weinidog Julie Morgan wedi ei roi i wneud hyn dros y tair blynedd diwethaf. Mae'n cynnwys gweithio gyda'r Gymdeithas Cyfarwyddwyr Gwasanaethau Cymdeithasol, i hyrwyddo'r pethau yr ydym ni'n gwybod sy'n gweithio mewn gwahanol rannau o Gymru. Mae'n drawiadol i mi, yn sir Gaerfyrddin, y gwnaethom ni sôn amdani yn gynharach, fod un cyfarwyddwr sy'n gyfrifol am addysg a gwasanaethau cymdeithasol, gan wneud yn siŵr bod ysgolion yn chwarae eu rhan i helpu'r teuluoedd hynny i aros gyda'i gilydd. Yn y gyllideb a basiwyd ar lawr y Senedd yn y fan yma yr wythnos diwethaf, mae gennym ni ffrwd gyllid newydd i ddarparu eiriolaeth i deuluoedd y ceir perygl y bydd eu plant yn cael eu cymryd i ofal cyhoeddus, i wneud yn siŵr, pan fydd y penderfyniadau hynny yn cael eu gwneud, fod llais y teulu yn cael ei glywed yr un mor rymus ag unrhyw weithiwr proffesiynol sy'n rhan o'r penderfyniad hwnnw. Un yn unig o nifer o gamau yr ydym yn eu cymryd yw hwnnw, Llywydd, ac mae penderfyniad Llywodraeth Cymru i gysoni ein hunain â'r angen i leihau nifer y plant mewn gofal cyhoeddus yng Nghymru yn ddiwyro.
English: First Minister, would you agree with me that, when children are in residential care, the policy direction of Newport City Council is appropriate? Through its Project Perthyn, it's bringing provision of care for looked-after children back in-house, with out-of-authority placements returning to new Newport City Council homes. It's bringing those children back to their home areas, families and schools and providing top-quality care. Would you agree this is the right approach for our young people and in terms of the recent Competition and Markets Authority report on the children's social care market, which shows local authorities being overcharged by private providers, with profit margins of 22.6 per cent and average charges of around £3,830 per week?
Welsh: Prif Weinidog, a fyddech chi'n cytuno â mi, pan fo plant mewn gofal preswyl, fod cyfeiriad polisi Cyngor Dinas Casnewydd yn briodol? Trwy ei Brosiect Perthyn, mae'n dod â darpariaeth o ofal i blant sy'n derbyn gofal yn ôl yn fewnol, gyda lleoliadau y tu allan i'r awdurdod yn dychwelyd i gartrefi newydd Cyngor Dinas Casnewydd. Mae'n dod â'r plant hynny yn ôl i'w hardaloedd cartref, eu teuluoedd a'u hysgolion ac yn darparu gofal o'r radd flaenaf. A fyddech chi'n cytuno mai dyma'r dull cywir ar gyfer ein pobl ifanc ac o ran adroddiad diweddar yr Awdurdod Cystadleuaeth a Marchnadoedd ar y farchnad gofal cymdeithasol i blant, sy'n dangos bod darparwyr preifat yn codi gormod ar awdurdodau lleol, gydag elw o 22.6 y cant a thaliadau cyfartalog o tua £3,830 yr wythnos?
English: I thank Rhun ap Iorwerth. Llywydd, we are committed to investing in a new generation of integrated health and social care centres across Wales. In these centres, front-line health and social care centres will be co-located with other services. The project board leading discussion on such a development in Holyhead continues to meet monthly.
Welsh: Diolch yn fawr i Rhun ap Iorwerth. Llywydd, rydym wedi ymrwymo i fuddsoddi mewn cenhedlaeth newydd o ganolfannau iechyd a gofal cymdeithasol integredig ar draws Cymru. Yn y canolfannau hyn, bydd gwasanaethau iechyd a gofal cymdeithasol rheng flaen yn cael eu lleoli gyda gwasanaethau eraill. Mae'r bwrdd prosiect sy'n arwain y drafodaeth am ddatblygiad o'r fath yng Nghaergybi yn parhau i gwrdd bob mis.
English: Nearly three years have passed since Betsi Cadwaladr University Health Board had to take direct control of the Longford Road and Cambria surgeries in Holyhead, and, yes, it's been a period of unprecedented challenge for primary care everywhere. But, for nearly three years now, patients at those two surgeries have had to receive a standard of care way below what they should be able to expect. Yes, there's a new urgent primary care centre on the way to Ysbyty Penrhos Stanley, but that's different. And yes, the staff at Longford Road and Cambria are doing everything that they can in very, very difficult circumstances. But we need a new multidisciplinary primary healthcare centre that can attract staff and provide the necessary services, and we need it urgently. I've been pursuing this for, yes, nearly three years now, but, at a recent meeting with the health board, it became clear to me that things are moving very, very slowly indeed. Can the First Minister tell me when he would expect the people of Holyhead who are patients at those surgeries, to receive the standard of service that they should be able to expect? And what can he do to bring about that investment urgently - an investment that I've been calling for for such a long time?
Welsh: Mae bron i dair blynedd wedi mynd heibio ers i Fwrdd Iechyd Prifysgol Betsi Cadwaladr orfod cymryd rheolaeth uniongyrchol dros feddygfeydd Longford Road a Cambria yng Nghaergybi, ac, ydy, mae wedi bod yn gyfnod o her na welwyd ei thebyg o'r blaen i ofal sylfaenol ym mhob man. Ond, ers bron i dair blynedd bellach, mae cleifion yn y ddwy feddygfa hynny wedi gorfod derbyn safon gofal ymhell islaw'r hyn y dylen nhw allu ei disgwyl. Oes, mae canolfan gofal sylfaenol brys newydd ar y ffordd i Ysbyty Penrhos Stanley, ond mae hynny'n wahanol. Ac ydy, mae'r staff yn Longford Road a Cambria yn gwneud popeth o fewn eu gallu o dan amgylchiadau anodd iawn. Ond mae angen canolfan gofal iechyd sylfaenol amlddisgyblaeth newydd arnom ni, sy'n gallu denu staff a darparu'r gwasanaethau angenrheidiol, ac mae ei hangen arnom ar frys. Rwyf i wedi bod yn mynd ar drywydd hyn ers, do, bron i dair blynedd bellach, ond, mewn cyfarfod diweddar gyda'r bwrdd iechyd, daeth yn amlwg i mi fod pethau yn symud yn araf iawn, iawn. A all y Prif Weinidog ddweud wrthyf pryd y byddai'n disgwyl i bobl Caergybi sy'n gleifion yn y meddygfeydd hynny, gael safon y gwasanaeth y dylen nhw allu ei disgwyl? A beth all ef ei wneud i sicrhau'r buddsoddiad hwnnw ar frys - buddsoddiad yr wyf i wedi bod yn galw amdano ers cymaint o amser?
English: Llywydd, the cost-of-living crisis is affecting people across Wales, including in Clwyd South. Tomorrow's spring statement must include actions to provide help for those least able to manage the crisis in the most essential aspects of daily life, widening access to food and to fuel for those who otherwise will be forced to go without.
Welsh: Llywydd, mae'r argyfwng costau byw yn effeithio ar bobl ledled Cymru, gan gynnwys yn Ne Clwyd. Mae'n rhaid i ddatganiad y gwanwyn yfory gynnwys camau gweithredu i roi cymorth i'r rhai sydd leiaf abl i reoli'r argyfwng yn yr agweddau mwyaf hanfodol ar fywyd bob dydd, gan ehangu mynediad at fwyd ac at danwydd i'r rhai a fydd fel arall yn cael eu gorfodi i fynd hebddyn nhw.
English: Diolch, First Minister. And you will be aware, I'm sure, of data from the 'Crunch Point' report from Citizens Advice, which shows that 14.5 million people - one in five people in Britain - won't be able to afford their energy bills when prices rise in October, just as we enter winter. And by then, a single person in receipt of benefits will be spending up to 47 per cent of their universal credit on energy bills. Households on prepayment meters will be particularly hard hit, and so, of course, children, the elderly and disabled people are likely to face the harshest of winters unless action is taken. First Minister, no Government should allow its people to freeze or starve, but that's exactly what's going to happen unless the Prime Minister and the Chancellor take immediate and dramatic action on energy costs. And I'm concerned that those who are struggling should not stay hidden, away from view, or deprived of essential support. First Minister, are you aware of what data is collected by energy companies regarding self-rationing of energy supplies, or indeed self-disconnection?
Welsh: Diolch, Prif Weinidog. A byddwch chi'n ymwybodol, rwy'n siŵr, o ddata o adroddiad 'Crunch Point' gan Cyngor ar Bopeth, sy'n dangos na fydd 14.5 miliwn o bobl - un o bob pump o bobl ym Mhrydain - yn gallu fforddio eu biliau ynni pan fydd prisiau yn codi ym mis Hydref, yr union adeg y byddwn ni'n cyrraedd y gaeaf. Ac erbyn hynny, bydd un person sy'n cael budd-daliadau yn gwario hyd at 47 y cant o'i gredyd cynhwysol ar filiau ynni. Bydd aelwydydd ar fesuryddion rhagdalu yn cael eu taro'n arbennig o galed, ac felly, wrth gwrs, mae plant, yr henoed a phobl anabl yn debygol o wynebu'r gaeaf llymaf oni chymerir camau. Prif Weinidog, ni ddylai'r un Llywodraeth ganiatáu i'w phobl rewi na newynu, ond dyna'n union sy'n mynd i ddigwydd oni bai bod Prif Weinidog y DU a'r Canghellor yn cymryd camau dramatig ar unwaith o ran costau ynni. Ac rwy'n pryderu na ddylai'r rhai sydd mewn trafferthion aros yn guddiedig, o'r golwg, na chael eu hamddifadu o gymorth hanfodol. Prif Weinidog, a ydych chi'n ymwybodol o ba ddata sy'n cael eu casglu gan gwmnïau ynni ynghylch hunan-gyfyngu cyflenwadau ynni, neu hunan-ddatgysylltu yn wir?
English: I thank Jack Sargeant, Llywydd, for that. Implementing the young person's guarantee, investing in skills, funding personal learning accounts, and making Wales a fair work nation are amongst the actions we are taking to support young workers in every part of Wales.
Welsh: Diolch i Jack Sargeant am hynna, Llywydd. Mae rhoi'r warant i bobl ifanc ar waith, buddsoddi mewn sgiliau, ariannu cyfrifon dysgu personol, a gwneud Cymru yn genedl waith teg ymysg y camau yr ydym ni'n eu cymryd i gefnogi gweithwyr ifanc ym mhob rhan o Gymru.
English: Diolch yn fawr, Prif Weinidog. The Resolution Foundation recently carried out research that found, after COVID hit, people under the age of 34 are more likely to face unemployment or precarious work. I'm sure our colleague from across the Chamber Tom Giffard will have seen that I've used my own social media channels to reach out to young people, asking them for their own experiences. First Minister, what came back was not good reading. One respondent told me that whilst working in the hospitality sector during the pandemic, they were discouraged from wearing a mask and told it would, and I quote, First Minister, 'affect tips for female workers'. Another young person talked about being forced into a fake and exploitative apprenticeship, stating, and again, I quote, 'They didn't even sign me up for the course, so I was just paid half the wage for the same work and got no training.' A common issue many faced was precarious contracts, with one individual applying for a job advertised at 40 hours a week, only to receive an offer of a zero-hours contract. First Minister, I can see that I'm out of time here, but I could go on. The research and the responses highlight clearly that we need more workplace protections and for employees to join a trade union. I'm going to continue this work and campaign for change. Will you join me, First Minister, in taking this message to the UK Government, that you can't level up by allowing poor employers to behave disgracefully like this?
Welsh: Diolch yn fawr, Prif Weinidog. Yn ddiweddar, gwnaeth y Resolution Foundation waith ymchwil a ganfu, ar ôl i COVID daro, bod pobl o dan 34 oed yn fwy tebygol o wynebu diweithdra neu waith ansicr. Rwy'n siŵr y bydd ein cyd-Aelod ar draws y Siambr Tom Giffard wedi gweld fy mod i wedi defnyddio fy sianeli cyfryngau cymdeithasol fy hun i estyn allan at bobl ifanc, gan ofyn iddyn nhw am eu profiadau eu hunain. Prif Weinidog, nid oedd yn braf darllen yr hyn a ddaeth yn ôl. Dywedodd un ymatebydd wrthyf, wrth weithio yn y sector lletygarwch yn ystod y pandemig, y cafodd ei hannog i beidio â gwisgo masg a dywedodd y byddai, a dyfynnaf, Prif Weinidog, yn 'effeithio ar gildyrnau i weithwyr benywaidd'. Soniodd person ifanc arall am gael ei orfodi i brentisiaeth ffug ac ymelwol, gan ddweud, ac eto, dyfynnaf, 'Wnaethon nhw ddim hyd yn oed fy nghofrestru ar y cwrs, felly roeddwn i'n cael fy nhalu hanner y cyflog am yr un gwaith heb gael unrhyw hyfforddiant.' Un mater cyffredin a wynebwyd gan lawer oedd contractau ansicr, gydag un unigolyn yn gwneud cais am swydd a hysbysebwyd fel un 40 awr yr wythnos, dim ond i gael cynnig contract dim oriau. Prif Weinidog, gallaf weld bod fy amser wedi dod i ben, ond gallwn barhau. Mae'r gwaith ymchwil a'r ymatebion yn tynnu sylw yn eglur at y ffaith ein bod ni angen mwy o amddiffyniadau yn y gweithle ac i weithwyr ymuno ag undeb llafur. Rwy'n mynd i barhau â'r gwaith hwn ac ymgyrchu dros newid. A wnewch chi ymuno â mi, Prif Weinidog, i gyfleu'r neges hon i Lywodraeth y DU, na allwch chi godi'r gwastad trwy ganiatáu i gyflogwyr gwael ymddwyn yn warthus fel hyn?
English: Well, Llywydd, I congratulate Jack Sargeant on the work that he's carried out himself with young people, and the points he makes have surely been given even more urgency in this last week by the actions of employers at P&O. There'll be people from his constituency, there in the north-east of Wales, who have earned their living in Liverpool, where P&O operate. I heard the former Conservative Minister Ros Altmann on the radio this morning calling for further action against the company, particularly a refusal to allow the parent company to become involved in the freeports plans of the UK Government. There's a practical way in which a Government could demonstrate its determination that the sorts of responses that you heard from Jack Sargeant there are not replicated elsewhere. We certainly call on the UK Government to use its reserved powers in employment rights to make sure that people's rights, young people's rights are properly respected in the workforce. And joining a trade union is the single most effective action that a young person can take to make sure that they have the help and the support that they would need, were they to face the sorts of circumstances that Jack Sargeant has outlined this afternoon.
Welsh: Wel, Llywydd, rwy'n llongyfarch Jack Sargeant ar y gwaith y mae wedi ei wneud ei hun gyda phobl ifanc, ac mae'n sicr y rhoddwyd mwy o frys fyth i'r pwyntiau y mae'n eu gwneud yn yr wythnos ddiwethaf hon gan weithredoedd cyflogwyr yn P&O. Bydd pobl o'i etholaeth, acw yn y gogledd-ddwyrain, sydd wedi ennill eu bywoliaeth yn Lerpwl, lle mae P&O yn gweithredu. Clywais y cyn Weinidog Ceidwadol Ros Altmann ar y radio y bore yma yn galw am weithredu pellach yn erbyn y cwmni, ac yn benodol gwrthod caniatáu i'r rhiant gwmni gymryd rhan yng nghynlluniau porthladdoedd rhydd Llywodraeth y DU. Mae ffordd ymarferol y gallai Llywodraeth ddangos ei phenderfyniad nad yw'r mathau o ymatebion a glywsoch gan Jack Sargeant yn cael eu hailadrodd mewn mannau eraill. Rydym ni'n sicr yn galw ar Lywodraeth y DU i ddefnyddio ei phwerau a gadwyd yn ôl ym maes hawliau cyflogaeth i wneud yn siŵr bod hawliau pobl, hawliau pobl ifanc yn cael eu parchu yn briodol yn y gweithlu. Ac ymuno ag undeb llafur yw'r un cam mwyaf effeithiol y gall unigolyn ifanc ei gymryd i wneud yn siŵr ei fod yn cael y cymorth a'r gefnogaeth y byddai eu hangen arno, pe bai'n wynebu'r mathau o amgylchiadau y mae Jack Sargeant wedi eu hamlinellu y prynhawn yma.
English: Llywydd, our access fund, helping families with the cost of the school day, will enter its fifth year next month. Over that time, it has been progressively expanded. The latest development, a £100 uplift per child to help address this year's cost-of-living crisis, was announced by my colleague the education Minister on 14 March.
Welsh: Llywydd, bydd ein cronfa fynediad, sy'n helpu teuluoedd gyda chost y diwrnod ysgol, yn dechrau ar ei phumed flwyddyn y mis nesaf. Dros y cyfnod hwnnw, mae wedi cael ei hehangu yn raddol. Cyhoeddodd fy nghyd-Weinidog, y Gweinidog addysg, y datblygiad diweddaraf, sef cynnydd o £100 y plentyn i helpu i fynd i'r afael â'r argyfwng costau byw eleni, ar 14 Mawrth.
English: Thank you for that answer, First Minister. Families in north Wales are feeling the pinch thanks to the Tory cost-of-living crisis. I welcome the additional support that the Welsh Labour Government has put in place to help with costs related to the school day. The additional funding to extend free school meals in holidays, the cash boost to help with school costs and the extension of the childcare offer will provide relief to those who are worried about the impact of rising costs. First Minister, do you agree with me and the money saving expert Martin Lewis that for those on the lowest incomes this cost-of-living crisis is not something that money management can fix, but is instead something that desperately needs UK Government intervention? Thank you.
Welsh: Diolch am yr ateb yna, Prif Weinidog. Mae teuluoedd yn y gogledd yn teimlo'r wasgfa diolch i argyfwng costau byw'r Torïaid. Rwy'n croesawu'r gefnogaeth ychwanegol y mae Llywodraeth Lafur Cymru wedi ei rhoi ar waith i helpu gyda chostau sy'n gysylltiedig â'r diwrnod ysgol. Bydd yr arian ychwanegol i ymestyn prydau ysgol am ddim yn ystod gwyliau, yr hwb ariannol i helpu gyda chostau ysgol ac ymestyn y cynnig gofal plant yn rhoi rhyddhad i'r rhai sy'n poeni am effaith costau cynyddol. Prif Weinidog, a ydych chi'n cytuno â mi a'r arbenigwr arbed arian Martin Lewis nad yw'r argyfwng costau byw hwn yn rhywbeth y gall rheoli arian ei drwsio i'r rheini sydd ar yr incwm isaf, ond yn hytrach yn rhywbeth sydd wir angen ymyrraeth gan Lywodraeth y DU? Diolch.