Ceir toriadau sylweddol eraill i les sydd wedi cael eu rhoi ar waith yn ddiweddar neu sy’n mynd i gael eu rhoi ar waith dros yr ychydig flynyddoedd nesaf ac rydym yn pryderu am effaith y rhain. Er enghraifft er nad yw rhewi arian parod yn achos budd-daliadau oedran gweithio wedi cael unrhyw effaith eleni, mae’r rhagolygon ar gyfer chwyddiant yn golygu y bydd yr esgid yn gwasgu’n galetach byth.
There are other significant welfare cuts that have recently been implemented or are due to be implemented over the next few years, and we are also concerned about the impact of these. For example, although the cash freeze to working-age benefits has had no effect this year, the outlook for inflation means its bite is set to grow.