Creating a monthly record of your spending, what comes in and what goes out, will give you a look at what you may be spending too much on or what you could cut down.
Bydd creu cofnod misol o’ch gwariant, beth sy’n dod i mewn a beth sy’n mynd allan, yn rhoi cipolwg i chi ar yr hyn y gallech fod yn gwario gormod arno neu ar yr hyn y gallech ei gwtogi.