Unfortunately, a substantial number of people in Wales face financial difficulty every day and many are vulnerable to the effects of variations in income, unforeseen costs and problem debt.
Yn anffodus, mae nifer sylweddol o bobl yng Nghymru yn wynebu anawsterau ariannol bob dydd ac mae llawer yn agored i effeithiau amrywiadau mewn incwm, costau nas rhagwelwyd a dyledion problemus.