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O gynilo i brynu rhywbeth newydd i chi, hyd at ymgeisio am grant myfyriwr, mae arian yn ffrind ac yn elyn mewn mesurau cyfartal. Os caiff ei reoli’n briodol a chyda pharch gall eich helpu i wneud pethau na allech eu gwneud fel arall, ond os caiff ei drin yn y modd anghywir gall eich gadael chi mewn trafferthion ac mewn dyled.

Efallai fod gennych gyfrif banc yn barod ac efallai eich bod yn meddwl pa un yw’r ffordd orau i gynilo eich arian, neu efallai eich bod yn chwilio am eich swydd daledig gyntaf ac yn meddwl tybed beth yw’r isafswm cyflog cenedlaethol. Efallai fod gennych hawl i gymhorthdal incwm neu fudd-daliadau a bod arnoch angen cyngor am y dull gorau o ymgeisio amdanynt.

Mae rhai pobl yn byw yn hapus ar ychydig iawn o arian, tra bo rhai eraill yn ymdrechu i gael pethau materol na ellir eu hennill ond drwy fod â chyfrif banc iach. Pa bynnag ddosbarth y perthynwch iddo, yn yr adran hon fe gewch yr holl wybodaeth sy’n angenrheidiol i wneud penderfyniadau ariannol fel person ifanc.

Sefydliadau

The Site - Money

information on how to manage your money

www.thesite.org/homelawandmoney/money
Need 2 Know - Money

provides a guide to money and finances

www.need2know.co.uk/money
Citizens Advice Bureau

provides information by the Financial Services Authority (FSA) specifically for young people

www.adviceguide.org.uk/wa .... y_and_consumer_rights.htm
Entitled To

provides a free calculator to help work out your entitlement to benefits and tax credits

www.entitledto.co.uk
What about money

provides information on a range of financial subjects

www.whataboutmoney.info/

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12 Comments – Postiwch sylw

ship1

Rhoddwyd sylw 38 mis yn ôl - 22nd March 2010 - 12:14pm

i have no money left for booze :(

National Editor

Rhoddwyd sylw 38 mis yn ôl - 23rd March 2010 - 10:39am

Just as well, ship1 - booze is bad for you (and illegal for anyone under 18)!

Read this:
http://www.youngnewport.co.uk/en/info/health/smoking-and-alcohol/alcohol/

cid

Rhoddwyd sylw 38 mis yn ôl - 23rd March 2010 - 11:45am

booze is alright as long as you enjoy it and dont do your liver in cause of stupid drinking

National Editor

Rhoddwyd sylw 38 mis yn ôl - 24th March 2010 - 10:17am

Have a look at Drinkaware's Youth Strategy:
http://www.drinkaware.co.uk/talking-to-under-18s/professionals/youth-strategy

danielweeks

Rhoddwyd sylw 24 mis yn ôl - 24th May 2011 - 10:17am

you're all alcoholics and need to quit

Sam (Sub-Editor)

Rhoddwyd sylw 24 mis yn ôl - 24th May 2011 - 10:28am

There's quite a big difference between enjoying a drink occasionally and being an alcoholic. Obligatory links to alcohol section and Alcoholics Anonymous.

thechilledoutwelshman

Rhoddwyd sylw 22 mis yn ôl - 21st July 2011 - 20:56pm

Got to save money now as work has finished for the summer!!! :(

SynysterKatie

Rhoddwyd sylw 20 mis yn ôl - 27th September 2011 - 19:00pm

I wouldn't consider myself an alcoholic, but I do enjoy my drink! I'm sensible when I drink and whoever I'm drinking with I always take care of my other friends around me...
In my opinion, it's okay to drink but not obsessive drinking or drinking because of silly reasons such as heart break, loss of a friend/family member etc. because you will probably end up doing something stupid...

All in all, as long as your taking care and drinking sensibly! :)

PS3Girl

Rhoddwyd sylw 15 mis yn ôl - 8th February 2012 - 15:55pm

Just wondering is there anything on how 14 year olds can earn money because i just had a baby sister so we are tight on money, and i hardly get any except when its my birthday and christmas which is near the end of the year. I would like to have a little job or something to earn money as there are things i want to get and want to save up for. I have been looking around for a job but just can find anything anywhere for someone my age. Can anyone help me or give any advice.