gwario

Gan barhau â'r duedd a welsom dros y blynyddoedd blaenorol, roedd cyfranogwyr unwaith eto'n ffafrio gwario arian yn fwy effeithlon cyn ystyried codi arian trwy drethiant neu fenthyca.

Continuing with the trend we have seen over previous years, participants again favoured more efficient spending of funds before raising funds through taxation or borrowing is considered.

Mae gan bob un ohonoch chi yn yr ystafell hon farn wahanol ar le ddylid gwario arian a lle na ddylid.

All of you in this room have a different view on where money should be spent and where not.

Y ffaith yw bod y tri pharc cenedlaethol sydd eisoes yn bodoli yn denu 12 miliwn o ymwelwyr, ac maen nhw'n gwario £1 biliwn, sy'n helpu, wrth gwrs, y cymunedau yna.

The fact is that the three national parks that are already in existence attract 12 million visitors and they spend £1 billion, which, of course, helps those communities.

O dan y system bresennol, rydyn ni'n gwario tua £600 miliwn i gefnogi'r rhwydwaith bysiau yn nhymor y senedd hon, ond ychydig iawn o reolaeth sydd gennym dros sut mae'r arian hwnnw'n cael ei ddefnyddio.

Under the current system, we're spending around £600 million to support the bus network in this parliamentary term, but we have very little control over how that money is used.

Mae hynny'n ddegau o filiynau o bunnoedd y gellid ac y dylid eu gwario ar bobl yng Nghymru ac ar ein gwasanaethau cyhoeddus.

That's tens of millions of pounds that could and should be spent on people in Wales and our public services.