Examples include spending more money on groceries, extra-curricular clubs for the children, family days out, home improvements, debt payments and savings.
Mae enghreifftiau'n cynnwys gwario mwy o arian ar fwydydd, clybiau allgyrsiol i'r plant, diwrnodau allan i'r teulu, gwelliannau i'r cartref, talu dyledion a chynilion.