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on our part , as an assembly , we must also commit to ensuring that the money that is available is used in the most effective and thrifty way to raise the standards of living and the quality of life of our people in every part of wales
o'n rhan ni , fel cynulliad , mae'n rhaid inni hefyd ymrwymo i sicrhau y defnyddir yr arian sydd ar gael yn y modd mwyaf effeithiol a darbodus er mwyn codi safon byw ac ansawdd bywyd ein pobl ym mhob rhan o gymru
the current system mitigates against many people who have saved carefully over the years , people who have been sensible , have planned long term , and have been thrifty and , dare i say , prudent , with their spending
mae'r system bresennol yn milwrio'n erbyn llawer o bobl sydd wedi cynilo'n ofalus dros y blynyddoedd , pobl a fu'n ddoeth , a gynlluniodd ar gyfer y tymor hir , ac a fu'n ddarbodus ac , os caf fentro dweud , yn ochelgar , wrth wario