English: Back to reality, I'd very much like to commend the finance Minister's management of the budget, because this could hardly be a more difficult set of circumstances that the people of Wales are facing. To enable you to identify £162 million extra for the cost-of-living crisis is hugely appreciated, and absolutely a sign of your excellent management of the Government's money. This morning, I attended my local food bank and spoke to a lot of the people who were waiting to be served, and it is incredible, really, just how much people are suffering and what a difference there is between the rich and poor in our society. I thank the Bevan Foundation for their 'State of Wales' figures that show that low-income families spend £35 a week on food; high-income families spend £99 a week on food. Low-income families spend £60 a week on housing; high-income families spend £120 a week on housing. And it is ironic, isn't it, that this food bank that's in one of the poorest parts of my constituency is being served by people who are themselves on very modest incomes, and it is typical that it is the poor who are more generous than the people who have more money? And how we square that circle is a really important question in relation to what Llyr was saying: how do we make the money that Wales has go further? So, I think that's a really big issue for us all. In particular, I think that, in the context of what we ought to be able to see in front of us, things like the uprate in the pupil development grant, the holiday hunger payments, the discretionary advice fund and the winter fuel support are incredibly important. On the winter fuel support payment, I want to commend Cardiff Council for proactively going out to all their tenants who they have contact details for to make sure that they were claiming what they were entitled to. It is much, much more difficult to ensure that private sector tenants get that money because it's just much more difficult to identify who is eligible. And I think that one of the problems is that it sounds like the one that comes as a rebate from the UK Government for older people. Quite a lot of older people get confused - they say, 'Oh, but I've already had it', when, actually, they haven't claimed what the Welsh Government is offering. That's something that I would like us to think about as to how we're going to badge it a bit differently, so that people are clearer on that. And it would be useful to know at what point you could tell us what the uptake was of last year's winter fuel payment and whether it's possible to break it down by geographical area/local authority, so that we can see where people are not claiming what they are entitled to, because I think this is a really, really important issue. I'm very pleased that the children's commissioner's budget has been given an uplift because I think, as other people have said, children have had an incredibly difficult two years, therefore the children's commissioner does have an extra workload and it's very important that that is properly funded. It's still unclear on what basis the other commissioners are funded. I know that there are negotiations going on with the future generations commissioner, but which budget are you going to raid in order to give any uplift if it's proved that she has a good case? I wanted to just explore the financial transaction capital allocation. So, of the £83 million for the next year, £31 million needs to be repaid. Excellent news, actually, because it's a very useful way of ensuring that people get to do the things we need them to do if we offer them a loan and then they repay it. I wonder if you can say a bit more about that. Is this a pot of money that could be used to help landlords take out loans to decarbonise their properties, because some of the coldest homes are in the private rented sector? Could it be used to enable schools, hospitals and other public building to be rebuilt or retrofitted to decarbonise their existing buildings?
Welsh: Yn ôl at realiti, hoffwn i yn fawr iawn ganmol y Gweinidog cyllid am reoli'r gyllideb, oherwydd prin y gallai hyn fod yn gyfres anoddach o amgylchiadau y mae pobl Cymru yn eu hwynebu. Mae eich gallu i nodi £162 miliwn yn ychwanegol ar gyfer yr argyfwng costau byw yn cael ei werthfawrogi'n fawr, ac yn arwydd o'ch rheolaeth ragorol o arian y Llywodraeth. Y bore yma, es i i fy manc bwyd lleol a siaradais â llawer o'r bobl a oedd yn aros i gael eu gwasanaethu, ac mae'n anhygoel, yn wir, faint o bobl sy'n dioddef a'r gwahaniaeth sydd rhwng y cyfoethog a'r tlawd yn ein cymdeithas. Diolch i Sefydliad Bevan am eu ffigurau 'State of Wales' sy'n dangos bod teuluoedd incwm isel yn gwario £35 yr wythnos ar fwyd; mae teuluoedd incwm uchel yn gwario £99 yr wythnos ar fwyd. Mae teuluoedd incwm isel yn gwario £60 yr wythnos ar dai; mae teuluoedd incwm uchel yn gwario £120 yr wythnos ar dai. Ac mae'n eironig, onid yw, fod y banc bwyd hwn sydd yn un o rannau tlotaf fy etholaeth i yn cael ei wasanaethu gan bobl sydd eu hunain ar incwm cymedrol iawn, ac mae'n nodweddiadol mai'r tlawd sy'n fwy hael na'r bobl sydd â mwy o arian? Ac mae sut yr ydym yn newid hynny yn gwestiwn pwysig iawn mewn cysylltiad â'r hyn yr oedd Llyr yn ei ddweud: sut mae gwneud yr arian sydd gan Gymru fynd ymhellach? Felly, rwy'n credu bod hynny'n fater pwysig iawn i bob un ohonom. Yn benodol, rwy'n credu, yng nghyd-destun yr hyn y dylem ni allu ei weld o'n blaenau, fod pethau fel y cynnydd yn y grant datblygu disgyblion, y taliadau bwyd yn ystod y gwyliau, y gronfa cymorth dewisol a chymorth tanwydd y gaeaf yn eithriadol o bwysig. O ran y taliad cymorth tanwydd y gaeaf, hoffwn ganmol Cyngor Caerdydd am fynd yn rhagweithiol at eu holl denantiaid y mae ganddo fanylion cyswllt ar eu cyfer i sicrhau eu bod yn hawlio'r hyn yr oedd ganddyn nhw hawl iddo. Mae'n llawer iawn anoddach sicrhau bod tenantiaid y sector preifat yn cael yr arian hwnnw oherwydd ei bod yn llawer anoddach nodi pwy sy'n gymwys. Ac rwy'n credu mai un o'r problemau yw ei fod yn swnio fel yr un sy'n dod fel ad-daliad gan Lywodraeth y DU ar gyfer pobl hŷn. Mae cryn dipyn o bobl hŷn yn drysu - yn ôl yr hyn maen nhw'n ei ddweud, 'O, ond rwyf wedi ei gael yn barod', pan nad ydyn nhw, mewn gwirionedd, wedi hawlio'r hyn y mae Llywodraeth Cymru yn ei gynnig. Mae hynny'n rhywbeth yr hoffwn i ni feddwl amdano ynglŷn â sut yr ydym am ei ddisgrifio ychydig yn wahanol, fel bod pobl yn gliriach ynglŷn â hynny. A byddai'n ddefnyddiol gwybod pryd y gallech chi ddweud wrthym faint o bobl a wnaeth fanteisio ar daliad tanwydd y gaeaf y llynedd ac a yw'n bosibl ei ddadansoddi yn ôl ardal ddaearyddol/awdurdod lleol, fel y gallwn ni weld ble nad yw pobl yn hawlio'r hyn y mae ganddyn nhw hawl iddo, gan fy mod i'n credu bod hwn yn fater gwirioneddol bwysig iawn. Rwy'n falch iawn bod cyllideb y comisiynydd plant wedi cael ei chynyddu gan fy mod i'n credu, fel y mae pobl eraill wedi ei ddweud, fod plant wedi cael dwy flynedd eithriadol o anodd, felly mae gan y comisiynydd plant lwyth gwaith ychwanegol ac mae'n bwysig iawn bod hynny'n cael ei ariannu'n briodol. Mae'n aneglur o hyd ar ba sail y caiff y comisiynwyr eraill eu hariannu. Rwy'n gwybod bod trafodaethau'n parhau gyda chomisiynydd cenedlaethau'r dyfodol, ond pa gyllideb ydych chi'n mynd i'w hysbeilio er mwyn rhoi unrhyw gynnydd os profir bod ganddi achos da? Roeddwn i eisiau archwilio'r dyraniad cyfalaf trafodiadau ariannol. Felly, o'r £83 miliwn ar gyfer y flwyddyn nesaf, mae angen ad-dalu £31 miliwn. Newyddion gwych, mewn gwirionedd, oherwydd ei bod yn ffordd ddefnyddiol iawn o sicrhau bod pobl yn cael gwneud y pethau y mae angen iddyn nhw eu gwneud os ydym yn cynnig benthyciad iddyn nhw ac yna'u bod yn ei ad-dalu. Tybed a allwch chi ddweud ychydig mwy am hynny? A yw hon yn gronfa arian y gellid ei defnyddio i helpu landlordiaid i gael benthyciadau i ddatgarboneiddio eu heiddo, oherwydd bod rhai o'r cartrefi oeraf yn y sector rhentu preifat? A ellid ei ddefnyddio i alluogi ysgolion, ysbytai ac adeiladau cyhoeddus eraill i gael eu hailadeiladu neu eu hôl-ffitio i ddatgarboneiddio eu hadeiladau presennol?