Er mwyn deall manteision cynllunio ar gyfer incwm yn y dyfodol gan ddefnyddio cyllideb i gynllunio a rheoli gwariant personol. Er mwyn deall dyled a ffynonellau cymorth lleol a chenedlaethol a fydd o bosibl yn rhoi cymorth wrth reoli dyled.
To understand the benefits of planning for future income using a budget to plan and control personal spending. To understand debt and the sources of help both local and national which might provide support with managing debt.