“Bydd llawer ohonom ddim eisiau hyd yn oed meddwl am y Nadolig nesaf, ond gallai nawr fod yr amser perffaith i ystyried dechrau cynilo. Gall undebau credyd wneud y broses honno’n haws.”
“While many of us may not even want to think about next Christmas, now could be the perfect time to consider starting to save. Credit unions can make that process easier.”