Some parents had borrowed money or had bought items on credit to spread the cost, including using a loan shark where they felt that that they had limited other options.
Roedd rhai rhieni wedi benthyg arian neu wedi prynu eitemau ar gredyd i ledaenu’r gost, gan gynnwys defnyddio benthyciwr arian didrwydded lle teimlasant nad oedd fawr o opsiynau eraill.