Families reported that they currently did not have enough money to cover all the basics and despite wanting to save, they had no financial means to do so.
Dywedodd teuluoedd nad oedd ganddynt ddigon o arian ar y pryd i dalu am yr hanfodion ac er eu bod am gynilo, nad oedd ganddynt unrhyw fodd ariannol i wneud hynny.