be in extreme financial hardship, for example you've lost your job, applied for benefits and waiting for your first payment or have no money to buy food, gas and electricity
yn wynebu caledi ariannol difrifol, er enghraifft eich bod wedi colli eich swydd, wedi gwneud cais am fudd-daliadau ac yn aros am eich taliad cyntaf, neu heb unrhyw arian i brynu bwyd, nwy a thrydan