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Our 12 tips for a nifty, thrifty Christmas | 12 awgrym ar gyfer Nadolig Cynnil, Clyfar
With Christmas only a few weeks away, our twelve nifty, thrifty festive tips will help you ensure that you can celebrate the season and New Year in style and in budget.
Gyda’r Nadolig dim ond rhyw ychydig wythnosau i ffwrdd, bydd ein cynghorion cynnil, clyfar yn eich helpu i sicrhau eich bod yn gallu dathlu’r Nadolig a’r Flwyddyn Newydd mewn steil ond am bris da
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 Don't be Afraid to Ask for Help
Are you struggling financially and looking for support to prepare for Christmas?
We have services across Torfaen that can help people in financial difficulty with benefits and debt advice, offer hardship support to purchase gas, electric and basic household items and provide foodbank vouchers. If you or someone you know are struggling this Christmas and would benefit from support, here’s where you can get some help.
Building Resilient Communities Financial Inclusion Team: Helen Jenkins 01495 742855 / 07834555055 Helen.Jenkins@Torfaen.gov.uk
Citizens Advice: Mal Edgson 01633 876128 mal.edgson@torfaencab.org.uk
Disability Advice Project: Elinor Tugwell Etugwell@dapwales.org.uk
Hafan Cymru (Family Support): Vanessa Morris 07788 646975 Vanessa.Morris@hafancymru.co.uk | Hannah Berry 07768507604 Hannah.Berry@hafancymru.co.uk
Bron Afon Community Housing (Tenancy Support): Tina Robinson 01633 620454 / 07805741129 Tina.Robinson@bronafon.org.uk
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 Bargain buyers beware
If a deal is too good to be true, then there's a good chance there's something dodgy about it. A Cwmbran trader was prosecuted earlier this year for selling counterfeit goods A Cwmbran trader was prosecuted earlier this year for selling counterfeit goods. While it may be tempting, our advice is don't buy items from unauthorised sellers. The goods can be unsafe, poor quality and you’ve got no consumer rights.
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 Cosy Christmas
Some energy suppliers participate in the Warm Home Discount Scheme, you might be eligible if you are on a low income or eligible benefit. A quick phone call to your supplier might be worth a saving of £140 which will be credited to your account. Similarly certain health conditions may mean that you are entitled to a discount if on your water if you are in receipt of benefits, check with your water supplier. If you are on benefits and have three or more children you might also be entitled to a reduction. Find out more about the Water Sure Scheme from Dwr Cymru or call 0800 052 0140
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Borrow wisely
Don’t borrow from unauthorised lenders or high interest payday lenders. The short term gain and convenience will create long term pain and you risk getting further and further into debt. If you really do need to borrow to make ends meet, the Gateway Credit Union has helped hundreds of families to save and borrow for Christmas.
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Avoid a debt hangover
Citizens Advice have Ten Top Tips to Avoid a Christmas Debt Hangover on their website. If your debt has become unaffordable contact their local team and book an appointment with a debt advisor, Cwmbran 01633 876121 or Pontypool 01495 759814, CAP (Christians Against Poverty) can also assist with debt advice and can do home visits call 0800 328 0006 for an appointment
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Flog It
Top up your savings with sales. One of the quickest and easiest ways to make some extra cash is to have a clear out of your unwanted items especially toys and games that the children no longer play with. Head along to a local car boot sale, or sell them on eBay or Facebook.
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 Don't be alone
Connect with family, friends or people within your community. Spread Some Christmas cheer. Age Connects Torfaen have 40 spaces for a special Christmas lunch taking place on the 16 December 2018. If you know of a person who is going to be alone this Christmas, please forward their details to Janet Bloor janet.bloor@ageconnectstorfaen.org and we will make arrangements to invite them to the dinner.
TRAC2 Christmas Day Celebration – for those facing isolation or loneliness on Christmas Day (no age limit) – 3 course meal, gift and activities. TRAC2 can provide transport but unfortunately no access to disabled transport. Contact Hannah: 01495 764078 or email tractwo@ymail.com
Cwmbran Centre for Young People (CCYP) provide support for young people aged 14-25 over the Christmas period. Check out their Facebook page for more information
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Look after your mental health and well-being
For tips on dealing with stress, anxiety and depression there’s information from the NHS - Ways to Wellbeing or the Mental Health Foundation. If you take medication or are receiving support for your mental health, continue to follow the advice of your health professional over the Christmas period. If you feel that you need extra support make an appointment with your GP or to talk to someone independent contact the Samaritans on 116 123
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Be organised
If you’ve borrowed money make sure you know what needs to be paid back and when it needs to be paid. Make a note in your calendar so you don't forget and risk late payment penalties that will increase the debt and most importantly, plan your budget so you've set money aside to do so.
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Plan ahead
Start saving now for Christmas 2017. Make an early list of who you need to buy for and whenever you see good offers, snap them up. Pick up next year’s gift wrapping, cards, decorations in the January sales and you'll save a few quid but also spread the cost throughout the year
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Make a fresh start in 2019.
Similarly why not make 2019 the year that you take the first steps towards the career you've always wanted. Our adult education service have a wide range of courses that will help you gain new skills and qualifications. Visit our adult learning courses finder on the Torfaen website.
….. and look out for more tips in our January Nifty, Thrifty
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 Peidiwch â bod ofn gofyn am Help
Ydych chi’n cael trafferthion yn ariannol ac yn edrych am gefnogaeth i baratoi ar gyfer y Nadolig?
Mae gennym ni wasanaethau ar draws Torfaen sy’n gallu helpu pobl sydd mewn trafferth ariannol gyda chyngor ar fudd-daliadau a dyled, cynnig cefnogaeth i brynu nwy, trydan ac eitemau sylfaenol i’r cartref a darparu talebau banciau bwyd. Os ydych chi neu rywun yr ydych chi’n eu hadnabod yn cael trafferth y Nadolig yma ac yn gallu elwa o gefnogaeth, dyma ble gallwch gael help.
Tîm Cynhwysiant Ariannol Adeiladu Cymunedau Cydnerth Helen Jenkins 01495 742855 / 07834555055 Helen.Jenkins@Torfaen.gov.uk
Cyngor ar Bopeth: Mal Edgson 01633 876128 mal.edgson@torfaencab.org.uk
Cynllun Cyngor Anabledd: Elinor Tugwell Etugwell@dapwales.org.uk
Hafan Cymru (Cefnogaeth i Deuluoedd): Vanessa Morris 07788 646975 Vanessa.Morris@hafancymru.co.uk
Hannah Berry 07768507604 Hannah.Berry@hafancymru.co.uk
Tai Cymunedol Bron Afon (Cefnogaeth i Denantiaid): Tina Robinson 01633 620454 / 07805741129 Tina.Robinson@bronafon.org.uk
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Byddwch yn ofalus o Fargeinion
Os yw bargen i’w weld yn rhy dda, mae’n eithaf tebyg bod rhywbeth o’i le. Cafodd masnachwr o Gwmbrân ei erlyn yn gynharach eleni am werthu nwyddau ffug Cafodd masnachwr o Gwmbrân ei erlyn yn gynharach eleni am werthu nwyddau ffug. Er ei fod yn demtasiwn, ein cyngor yw peidio â phrynu nwyddau o werthwyr sydd heb awdurdod. Gall y nwyddau fod yn anniogel, o ansawdd gwael a does dim hawliau gennych chi.
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Nadolig Clyd
Mae rhai cwmnïiau ynni yn cymryd rhan yng Nghynllun Disgownt Cartrefi Clyd gallech fod yn gymwys os ydych chi ar incwm isel neu fudd-dal cymwys. Gall galwad ffôn cyflym at eich cwmni ynni arwain at gredyd o £140 yn eich cyfrif. Yn yr un ffordd, gall rhai cyflyrau meddygol olygu eich bod yn gallu cael gostyngiad yn eich bil dŵr os ydych chi’n derbyn budd-daliadau, mynnwch air gyda’ch cwmni dŵr. Os ydych chi’n derbyn budd-daliadau ac â thri neu fwy o blant, efallai y byddwch yn gallu cael gostyngiad hefyd. Dysgwch fwy am Gynllun Water Sure gyda Dŵr Cymru neu ffoniwch 0800 052 0140
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Benthyca’n ddoeth
Peidiwch â benthyg gan fenthycwyr anhrwyddedig na chan fenthycwyr diwrnod cyflog â’u llog uchel. Bydd y fantais a’r cyfleustra yn y tymor byr yn achosi poen yn y tymor hir a’r perygl o fynd ymhellach i ddyled. Os ydych chi wir angen benthyg er mwyn cael dau ben llinyn ynghyd, mae Undeb Credyd Gateway wedi helpu cannoedd o deuluoedd i gynilo a benthyca at y Nadolig.
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Osgoi cur pen dyled
Mae gan Gyngor ar Bopeth Ddeg Awgrym i Osgoi cur Pen Dyled ar ôl y Nadolig ar eu gwefan. Os na allwch bellach fforddio’ch dyled cysylltwch â’u tîm lleol a threfnwch apwyntiad gyda chynghorydd ar ddyled, Cwmbrân 01633 876121 neu Bont-y-pŵl 01495 759814, Mae CAP (Christians Against Poverty) hefyd yn gallu helpu gyda chyngor ar ddyled ac yn gallu ymweld â’r cartref, ffoniwch 0800 328 0006 am apwyntiad.
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Gwerthwch
Ychwanegwch at eich arian trwy werthu. Un o’r ffyrdd mwyaf cyflym a hawdd i ennill mwy o arian yw clirio’ch trugareddau diangen, yn arbennig teganau a gemau nad yw’r plant yn chwarae â nhw bellach. Ewch i arwerthiant cist ceir, neu gwerthwch nhw ar eBay neu Facebook.
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Peidiwch â bod yn unig
Cysylltwch â theulu, ffrindiau neu bobl yn eich cymuned. Rhannwch beth o hwyl yr ŵyl – Mae gan Age Connects Torfaen 40 o leoedd ar gyfer cinio Nadolig arbennig ar 16eg Rhagfyr 2018. Os ydych chi’n gwybod am rywun a fydd ar eu pennau’u hunain dros y Nadolig, rhowch eu manylion i Janet Bloor janet.bloor@ageconnectstorfaen.org os gwelwch yn dda ac fe wnawn ni drefnu eu gwahodd i ginio.
Dathliad Diwrnod Nadolig TRAC2 – i’r rheiny sy’n wynebu unigrwydd ar ddiwrnod Nadolig (dim cyfyngiad o ran oed) – pryd 3 chwrs, anrheg a gweithgareddau. Gall TRAC2 ddarparu trafnidiaeth ond yn anffodus does dim mynediad i drafnidiaeth anabl. Cysylltwch â Hannah: 01495 764078 neu drwy e-bost tractwo@ymail.com
Mae Canolfan Pobl Ifanc Cwmbrân (CCYP) yn rhoi cefnogaeth i bobl ifanc 14-25 oed dros gyfnod y Nadolig. Ewch i’w tudalen Facebook am fwy o wybodaeth
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Edrychwch ar ôl eich iechyd meddwl a’ch lles
Am gyngor ar sut i drin straen, pryder ac iselder mae gwybodaeth ar gael o’r GIG – Ffyrdd tuag at Les neu’r Sefydliad Iechyd Meddwl. Os ydych chi’n cymryd meddyginiaeth neu’n derbyn cefnogaeth am eich iechyd meddwl, dilynwch gyngor eich meddyg dros gyfnod y Nadolig. Os ydych chi’n teimlo fod angen cefnogaeth bellach arnoch chi gwnewch apwyntiad gyda’ch meddyg teulu neu, i siarad a rhywun annibynnol, cysylltwch â’r Samariaid ar 116 123
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Byddwch yn drefnus
Os ydych chi wedi talu arian gwnewch yn siŵr eich bod yn gwybod beth sydd rhaid ei dalu’n ôl a pha bryd mae angen talu. Nodwch y dyddiad yn eich calendr rhag i chi anghofio a bod mewn perygl o gosbau am dalu’n hwyr a fydd wedyn yn cynyddu’r ddyled ac yn fwyaf pwysig, sicrhewch eich bod yn neilltuo arian i dalu’n ôl.
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Cynlluniwch
Dechreuwch gynilo nawr ar gyfer Nadolig 2019. Gwnewch restr o bawb y mae angen i chi brynu rhywbeth iddyn nhw ac os welwch chi fargen yn ystod y flwyddyn, prynwch. Prynwch bapur lapio, cardiau ac addurniadau ar gyfer y flwyddyn nesaf yn ystod Ionawr ac fe wnewch chi arbed rhai punnoedd a hefyd lledaenu’r gost ar draws y flwyddyn
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Dechreuwch o’r newydd yn 2019
Hefyd, pam na wnewch chi gymryd camau at eich gyrfa newydd yn 2019. Mae gan ein gwasanaeth addysg i oedolion amrywiaeth eang o gyrsiau a fydd yn eich helpu i gael sgiliau newydd a chymwysterau. Ewch i’n tudalen cyrsiau i oedolion ar wefan Torfaen
….. a chadwch lygad allan am fwy o gynghorion Cynnil, Clyfar yn Ionawr
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