Economic growth has faltered, budgets for public services and investment are being cut, and the cost of living has increased as a result of higher energy and food prices.
Mae twf economaidd wedi arafu, mae cyllidebau ar gyfer gwasanaethau cyhoeddus a buddsoddi yn cael eu torri, ac mae costau byw wedi codi yn sgil y cynnydd ym mhrisiau ynni a bwyd.