Examples include spending more money on groceries, extra-curricular clubs for the children, family days out, home improvements, debt payments and savings.
Mae’r manteision hn yn cynnwys gwelliannau cymunedol megis cyflenwad dŵr rheolaidd, toiledau gwell ac Undeb Credyd ynghyd â phrisiau sylweddol uwch am eu coffi o’r radd flaenaf.