Following the COVID-19 pandemic, people on the lowest incomes are much more likely to have had to run down their savings due to income variability and other pressures.
Yn dilyn pandemig COVID-19, mae pobl ar yr incwm isaf yn llawer mwy tebygol o fod wedi gorfod rhedeg i lawr eu cynilion oherwydd amrywioldeb incwm a phwysau eraill.