Supporting core practice in Health and Social Care (Adults) Cefnogi ymarfer craidd mewn Iechyd a Gofal Cymdeithasol (Oedolion)
Factors that may affect individuals – economic Ffactorau a all effeithio ar unigolion - economaidd

For adults, managing on a low income can be stressful, and feeling at the bottom of the social ladder can have negative effects on self-esteem. Individuals on lower incomes are more likely to adopt unhealthy lifestyle habits, such as smoking and drinking, whilst individuals on a high income are able to afford healthier lifestyles. This leads to an increased risk of heart disease, stroke, cancer and diabetes.

I oedolion, gall ymdopi ar incwm isel beri straen a gall teimlo fel eich bod ar waelod yr ysgol gymdeithasol gael effaith negyddol ar hunan-barch. Mae unigolion ar incwm is yn fwy tebygol o fabwysiadu ffyrdd o fyw afiach, fel ysmygu ac yfed, tra bod unigolion ar incwm uchel yn gallu fforddio byw bywydau iachach. Mae hyn yn cynyddu'r risg o glefyd y galon, strôc, canser a diabetes.

Individuals in the lowest income groups are more likely to have no savings, be behind on their bills and have high levels of debt.

Those high levels of debt can have a negative impact on health and well-being because:

• individuals can end up paying back far more than they borrowed and their repayments can mean they don’t have sufficient income to take care of themselves and their family properly
• individuals can find that they have less access to financial services, such as having a bank account, or they have to pay more to use these services
• families can break down because of the stress caused by debt
• health can be affected by less access to healthy food and exercise opportunities and illnesses brought on by stress
• mental health problems, such as depression and anxiety, can occur due to worries about debt.

Mae unigolion yn y grwpiau incwm isaf yn fwy tebygol o fod heb unrhyw gynilion o gwbl, bod ar ei hôl hi wrth dalu biliau a bod mewn mwy o ddyled.

Gall y lefelau uchel hynny o ddyled gael effaith negyddol ar iechyd a llesiant oherwydd:

• gall unigolion orfod ad-dalu llawer mwy na'r swm a fenthyciwyd a gall eu had-daliadau olygu nad oes ganddynt ddigon o incwm i ofalu amdanynt eu hunain na'u teulu'n iawn
• gall fod gan unigolion lai o fynediad i wasanaethau ariannol fel cyfrif banc, neu mae'n rhaid iddynt dalu mwy i ddefnyddio'r gwasanaethau hyn
• gall teuluoedd chwalu dan bwysau dyled
• gall y ffaith bod llai o fynediad i fwyd iach a chyfleoedd i ymarfer corff effeithio ar iechyd, a gall straen arwain at salwch
• gall problemau iechyd meddwl fel iselder a gorbryder ddigwydd os bydd rhywun yn poeni am ddyled.

According to the Poverty and Social Exclusion organisation, the following groups are vulnerable to poverty:

• single parents on benefits
• the young unemployed
• low-paid workers supporting a family
• adults who are disabled
• single pensioners.

Poverty can negatively affect health, development and well-being in the following ways:

Poverty in adulthood

• Cardiovascular disease, diabetes and arthritis are more common in adults living in poverty.
• Mental health problems such as depression, anxiety and schizophrenia are more common.

Poverty in later adulthood

• Poor individuals may develop life limiting illnesses earlier in life than individuals with money.
• Pensioners in poverty are more likely to experience social isolation and mental health problems such as depression.

Yn ôl y Sefydliad Tlodi ac Allgáu Cymdeithasol, mae'r grwpiau canlynol yn agored i dlodi:

• rhieni sengl ar fudd-daliadau
• pobl ifanc ddi-waith
• gweithwyr ar gyflogau isel sy'n cefnogi teulu
• oedolion anabl
• pensiynwyr sengl.

Gall tlodi gael effaith negyddol ar iechyd, llesiant a datblygiad yn y ffyrdd canlynol:

Tlodi fel oedolyn

• Mae clefyd cardiofasgwlaidd, diabetes ac arthritis yn fwy cyffredin ymhlith oedolion sy'n byw mewn tlodi.
• Mae problemau iechyd meddwl fel iselder, gorbryder a sgitsoffrenia yn fwy cyffredin.

Tlodi yn ddiweddarach mewn bywyd

• Gall unigolion tlawd ddatblygu salwch sy'n cyfyngu ar fywyd yn gynharach mewn bywyd nag unigolion ag arian.
• Mae pensiynwyr sy'n byw mewn tlodi yn fwy tebygol o brofi ynyswch cymdeithasol a phroblemau iechyd meddwl fel iselder.