Those on low incomes and insecure contracts, which have been more prevalent among young people, have been and will continue to be worst affected.
Mae’r rheini sydd ar incwm isel a chontractau anniogel, sydd wedi bod yn fwy cyffredin ymysg pobl ifanc, wedi cael eu heffeithio waethaf, a byddant yn parhau i gael eu heffeithio.