English: I've been to three cost-of-living seminars in north Wales recently, and communication of what benefits people are entitled to was the biggest issue. There have been a variety of suggestions: an online grant checker, printing the CAB advice number on prescription bags from the pharmacy, having community advisers who get to know those hard to reach in the community and a single-point-of-access number, and I'd like the Government to write to everybody, as they did during the pandemic - that's my suggestion as well. It was also discussed that there was a need for residents and, also, organisations to know what's happening. We need to make every contact count, so that's councillors; CABx; council social care; housing, revenue and benefits departments; and lottery fund officers. The list goes on: doctors, foodbanks, health visitors and district nurses. Delivering benefits is messy, bureaucratic and costly. Local authorities are short staffed; I saw a local authority advertising for 12 new benefits staff, but each of those were on low pay as well, so that doesn't help. But, fundamentally, if universal credit had an uplift; if we had a universal basic income; if everyone had an inflationary increase; and if public services, which in Wales are a big employer, were properly funded, not cut year after year, people would have money in their pockets to spend in the local economy. Surely, that would be better. I listen and learn, and those who have money conserve it, while those who don't are most generous and they will spend it - they will buy raffle tickets and they will help the community, spending each last bit of their money helping others, not hoarding it away. If that change does not happen, we need to devolve social security. I think a fundamental change is needed. We need to get rid of the benefits system and bureaucracy once and for all. Anyway, thank you.
Welsh: Bûm mewn tair seminar costau byw yng ngogledd Cymru yn ddiweddar, a chyfathrebu ynghylch pa fudd y mae gan bobl hawl iddo oedd y broblem fwyaf. Cafwyd amrywiaeth o awgrymiadau: gwiriwr grant ar-lein, argraffu rhif cyngor CAB ar fagiau presgripsiwn o'r fferyllfa, cael cynghorwyr cymunedol sy'n dod i adnabod y rhai sy'n anodd eu cyrraedd yn y gymuned a rhif un pwynt mynediad, a hoffwn i'r Llywodraeth ysgrifennu at bawb, fel y gwnaethant yn ystod y pandemig - dyna fy awgrym i hefyd. Trafodwyd hefyd fod angen i drigolion a sefydliadau wybod beth sy'n digwydd. Mae angen inni wneud i bob cyswllt gyfrif, felly mae hynny'n golygu cynghorwyr; swyddfeydd cyngor ar bopeth; gofal cymdeithasol cynghorau; adrannau tai, refeniw a budd-daliadau; a swyddogion cronfa'r loteri. Mae'r rhestr yn parhau: meddygon, banciau bwyd, ymwelwyr iechyd a nyrsys ardal. Mae darparu budd-daliadau yn flêr, yn fiwrocrataidd ac yn gostus. Mae awdurdodau lleol yn brin o staff; gwelais awdurdod lleol yn hysbysebu am 12 o staff budd-daliadau newydd, ond roedd pob un o'r rheini ar gyflogau isel hefyd, felly nid yw hynny'n helpu. Ond yn y bôn, pe bai ychwanegiad i'r credyd cynhwysol; pe bai gennym incwm sylfaenol cyffredinol; pe bai cynnydd yn incwm pawb i gyd-fynd â chwyddiant; a phe bai gwasanaethau cyhoeddus, sy'n gyflogwyr mawr yng Nghymru, yn cael eu hariannu'n iawn, yn hytrach na chael eu torri flwyddyn ar ôl blwyddyn, byddai gan bobl arian yn eu pocedi i'w wario yn yr economi leol. Byddai hynny'n sicr yn well. Rwy'n gwrando ac yn dysgu, ac mae'r rhai sydd ag arian yn ei gadw, tra bod y rhai sydd heb lawer o arian yn fwy hael ac yn ei wario - byddant yn prynu tocynnau raffl a byddant yn helpu'r gymuned, gan wario pob ceiniog olaf o'u harian yn helpu eraill, nid yn ei gelcio. Os nad yw'r newid hwnnw'n digwydd, mae angen inni ddatganoli nawdd cymdeithasol. Rwy'n credu bod angen newid sylfaenol. Mae angen inni gael gwared ar y system fudd-daliadau a biwrocratiaeth unwaith ac am byth. Beth bynnag, diolch.