Mae penderfyniadau sydd wedi’u gwneud gan Lywodraethau Ceidwadol olynol y DU – o ddegawd o gyni i doriadau creulon i fudd-daliadau a thorri addewidion ar drethi – wedi creu’r amodau ar gyfer yr argyfwng digynsail hwn ac maent yn ychwanegu at y pwysau ar gyllidebau cartrefi.
Decisions taken by successive UK Conservative Governments – from a decade of austerity to cruel cuts to benefits and broken promises on taxes – have created the conditions for this unprecedented crisis and are adding to the pressures on household budgets.