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Sut i gynilo ac adeiladu 

eich gwytnwch ariannol

Mae Undeb Credyd Cambrian

yn falch o roi cyflwyniad rhad ac am ddim mewn partneriaeth â’r gwasanaethau Arian a Phensiynau ar y testun “Sut i gynilo ac 

adeiladu eich gwydnwch ariannol”

Sut i Gynilo - Dod yn 

Gydnerth yn Ariannol

Hyfforddiant i staff rheng flaen a'r rhai sy'n gweithio yn y gymuned sydd mewn sefyllfa i helpu aelodau'r cyhoedd i ddeall opsiynau arbedion a'r angen i fod yn wydn yn ariannol. Yn enwedig gyda’r pwysau ariannol presennol, mae’n fwy hanfodol fyth bod teuluoedd yn ymwybodol o’r opsiynau cynilo sydd ar gael a’r angen i greu arferiad cynilo.

Am y digwyddiad hwn

Gyda’r pwysau presennol ar gyllid teuluol oherwydd yr argyfwng costau byw, bydd teuluoedd ar incwm isel, heb unrhyw fath o gynilion, gyda statws credyd gwael yn troi at fenthycwyr arian llog uchel ac anghyfreithlon i helpu i wrthsefyll digwyddiadau bywyd sy’n effeithio ar eu hincwm neu asedau. Bydd y sesiwn hon yn edrych ar opsiynau cynilo, yr angen am wytnwch ariannol ac yn rhoi awgrymiadau amgen i adeiladu arferiad cynilo a fydd yn eu helpu i wrthsefyll pwysau cyfraddau llog uwch, cynnydd mewn prisiau ac effaith digwyddiadau bywyd y tu hwnt i’n rheolaeth.

Mae’r hyfforddiant yn sesiwn 1.5 awr, sydd ar gael i bob gweithiwr rheng flaen a’r rhai sy’n gweithio yn y gymuned i helpu teuluoedd nad ydynt yn wydn yn ariannol ar hyn o bryd ac a fyddai’n cael trafferth pe bai eu hamgylchiadau’n newid, bydd hefyd yn rhoi opsiynau arbed eraill. Mae'r hyfforddiant wedi'i anelu at unrhyw un sy'n dod ar draws teuluoedd, naill ai wyneb yn wyneb neu dros y ffôn.

Bydd hyfforddiant yn digwydd ar-lein (Zoom) gyda chyflwyniad, sesiynau grŵp a gweithgareddau rhyngweithiol amrywiol a thrafodaeth.

I archebu eich slot dilynwch y ddolen ddisglair isod a chwblhewch y ffurflen gofrestru

https://www.eventbrite.co.uk/e/how-to-save-and-build-financial-resilience-tickets-705410109627?aff=oddtdtcreator

Llunio dyfodol Cymru, ar gyfer pobl Cymru

The Independent Commission for the Constitutional Future of Wales is reviewing the strengths and weaknesses of devolution, finding out what people think, and exploring options that could improve the future of Wales. The Commission is led by Professor Laura McAllister and Dr Rowan Williams. It includes nine commissioners from different backgrounds, who all have different views. They are all committed to work together and run a fair investigation.

The Commission has been engaging communities in a national conversation since spring 2022. It has been spending time gathering the views of people from a range of sectors and backgrounds, including:

• Welsh citizens
• expert panels 
• communities and groups across Wales
• evidence sessions

Summer roadshow and event series 

As part of its conversation with Welsh citizens, the Commission has been ‘popping up’ at different places and events across Wales to highlight its work and the opportunities to get involved. 

Engagement Space 

The Commission launched an online engagement spacein April 2023 to support the conversation. It provides a space to share information, resources and tools in one place, enabling more people to consider Wales’ future and what it means to them. Ultimately, the engagement platform is providing a space for Welsh citizens to explore this topic in different ways, including offering the opportunity to ask questions. If you haven’t already, visit the engagement space where you’ll find information about the different options. Watch the explainer video here. 

You’ll also find the Have Your Say survey , which has been completed by just under 600 people. There has been an engagement drive to direct more traffic to the survey and online space. New blogs and content are added to the space each week and community engagement events are being held across all local authority areas of Wales to raise awareness.

All engagement ahead of 1^st October will be analysed and included in the Commission’s Final Report. The Final Report, including recommendations, will be published this winter.  

Ways to get involved 

• Share your views by completing the survey and taking part in discussions on our engagement space 
• Raise awareness of the Commission by disseminating through your channels and discussing it with your family and friends. Share the survey on your socials!
• Follow us on @Comisiwn

Thank you

Diwrnod Cenedlaethol Pobl Hŷn

How to save and build your financial resilience

Cambrian Credit Union is proud to deliver a free presentation in partnership with the Money and Pensions services on the subject of “How to save and build your financial resilience”

How to Save – Becoming Financially Resilient 

Training to front line staff and those working in the community in a position to help members of the public to understand savings options and the need to be financially resilient. Particularly with the current financial pressures, it is even more essential that families are aware of the savings options available and the need to create a savings habit.

About this event

With the current pressure on family finances due to the cost-of-living crisis, families on low incomes, with no access to any form of savings, with poor credit ratings will turn to high interest, illegal money lenders to help withstand life events that impact their income or assets. This session will look at savings options, the need for financial resilience and give alternative suggestions to build a savings habit that will help them withstand the pressures of increased interest rates, price increases and the impact of life events beyond our control.

The training is a 1.5-hour session, available for all front-line workers and those working in the community to help families who are not currently financially resilient and would struggle if their circumstances changed, it will also give alternative savings options. The training is aimed at anyone who encounters families, either face to face or by telephone.

Training will take place online (Zoom) with a presentation, breakout sessions and varied interactive activities and discussion.

To book your slot please follow the event bright link below and complete the registration form

https://www.eventbrite.co.uk/e/how-to-save-and-build-financial-resilience-tickets-705410109627?aff=oddtdtcreator

Shaping the future of Wales, for the people of Wales

Mae’r Comisiwn Annibynnol ar Ddyfodol Cyfansoddiadol Cymru yn adolygu cryfderau a gwendidau datganoli, yn canfod beth mae pobl yn ei feddwl, ac yn archwilio opsiynau a allai wella dyfodol Cymru. Arweinir y Comisiwn gan yr Athro Laura McAllister a Dr Rowan Williams. Mae’n cynnwys naw comisiynydd o gefndiroedd gwahanol, sydd i gyd â safbwyntiau gwahanol. Mae pob un wedi ymrwymo i weithio gyda’i gilydd a chynnal ymchwiliad teg.

Mae’r Comisiwn wedi bod yn cynnal sgwrs genedlaethol gyda chymunedau ers gwanwyn 2022. Mae wedi bod yn treulio amser yn casglu barn pobl o amrywiaeth o sectorau a chefndiroedd, gan gynnwys:

• dinasyddion Cymru
• paneli arbenigol 
• cymunedau a grwpiau ledled Cymru
• sesiynau tystiolaeth

Sioe deithiol a chyfres ddigwyddiadau’r haf

Fel rhan o’i sgwrs â dinasyddion Cymru, mae’r Comisiwn wedi bod yn teithio i wahanol leoedd a digwyddiadau ledled Cymru i dynnu sylw at ei waith a’r cyfleoedd i gymryd rhan.

Safle Sgwrsio

Lansiodd y Comisiwn safle sgwrsio ar-lein ym mis Ebrill 2023 i gefnogi’r sgwrs. Mae’n cynnig un lle i rannu gwybodaeth, adnoddau ac offer, gan alluogi mwy o bobl i ystyried dyfodol Cymru a’r hyn y mae’n ei olygu iddyn nhw. Yn y pen draw, mae’r platfform sgwrsio yn cynnig lle i ddinasyddion Cymru archwilio’r pwnc hwn mewn gwahanol ffyrdd, gan gynnwys y cyfle i ofyn cwestiynau. Os nad ydych wedi gwneud hynny’n barod, ewch i’n safle sgwrsio. Byddwch yn dod o hyd i wybodaeth am y gwahanol opsiynau. Gwyliwch ein fideo sy’n esbonio’r opsiynau yma. 

Fe welwch hefyd yr arolwg Dweud eich Dweud, sydd wedi’i gwblhau gan ychydig o dan 600 o bobl. Bu ymgyrch ymgysylltu i gael mwy o bobl i gwblhau’r arolwg ac i fynd i’r safle ar-lein. Mae blogiau a chynnwys newydd yn cael eu hychwanegu at y safle bob wythnos ac mae digwyddiadau ymgysylltu â’r gymuned yn cael eu cynnal ym mhob ardal awdurdod lleol yng Nghymru i godi ymwybyddiaeth.

Bydd yr holl weithgareddau ymgysylltu cyn 1 Hydref yn cael eu dadansoddi a’u cynnwys yn Adroddiad Terfynol y Comisiwn. Cyhoeddir yr Adroddiad Terfynol, gan gynnwys yr argymhellion, y gaeaf hwn.  

Ffyrdd o gymryd rhan

• Gallwch rannu eich barn drwy gwblhau’r arolwg a chymryd rhan mewn trafodaethau ar ein safle sgwrsio
• Gallwch godi ymwybyddiaeth o’r Comisiwn drwy ledaenu gwybodaeth amdano i’ch sianeli a’i drafod â’ch teulu a’ch ffrindiau. Gallwch hefyd rannu’r arolwg ar eich cyfryngau cymdeithasol!
• Dilynwch ni ar @Comisiwn

Diolch

National Older People’s day

That time has come again for another fantastic celebration for National Older People’s day! 

It promises to be another fantastic event, with live music with Natasha, we will also be serving refreshments including some delicious cake!

Please see poster below for more information, including details on how to book.