Carmarthenshire Citizens Advice

29/10/2026

💙❤️ THURSDAY 29 OCTOBER – INTERNATIONAL DAY OF CARE AND SUPPORT

DO YOU LOOK AFTER SOMEONE? YOU COULD BE ENTITLED TO FINANCIAL SUPPORT!

Today, on International Day of Care and Support, we're recognising the incredible contribution made by unpaid carers across Carmarthenshire.

💙 DID YOU KNOW YOU COULD BE AN UNPAID CARER WITHOUT REALISING IT?

Do you regularly help a partner, parent, child, relative or friend because of an illness, disability or long-term health condition?

Perhaps you:

❤️ Help them wash, dress or prepare meals

💊 Manage their medication or appointments

🛒 Help with shopping, cleaning or household tasks

🚗 Take them to medical appointments

🏠 Provide supervision or support to keep them safe

💙 Offer emotional support and reassurance

You don't have to live with someone or be related to them to be an unpaid carer.

💷 WHAT FINANCIAL SUPPORT COULD BE AVAILABLE?

Depending on your circumstances, you may qualify for:

✅ Carer's Allowance – if you provide at least 35 hours of care per week and meet the eligibility rules.

✅ Universal Credit carer element – additional financial support for eligible carers receiving Universal Credit.

✅ Carer-related additions to other benefits – depending on your circumstances.

✅ A benefit entitlement check – to make sure both you and the person you care for are receiving the financial support you're entitled to.

You may also be entitled to practical support through your local authority, including a carer's needs assessment.

📢 IMPORTANT: Claiming Carer's Allowance or certain other carer-related benefits can affect existing benefit entitlements, including those of the person you care for. It's important to check before making a claim.

💡 YOU DON'T HAVE TO WAIT UNTIL CARING BECOMES OVERWHELMING TO ASK FOR HELP.

Caring responsibilities can affect your employment, income, health and wellbeing.

Getting advice early can help you understand your rights, access available support and prevent financial difficulties before they become a crisis.

💙 Today, we're reminding every unpaid carer: your contribution matters, your wellbeing matters, and support may be available.

📞 Citizens Advice Carmarthenshire – 01267 234488

☎️ Advicelink Cymru – 0800 702 2020

💙 Free • Confidential • Impartial

Stronger communities, brighter futures.



💚❤️ DYDD IAU 29 HYDREF – DIWRNOD RHYNGWLADOL GOFAL A CHYMORTH

YDYCH CHI'N GOFALU AM RYWUN? GALLECH FOD Â HAWL I GYMORTH A***NNOL!

Heddiw, ar Ddiwrnod Rhyngwladol Gofal a Chymorth, rydym yn cydnabod cyfraniad anhygoel gofalwyr di-dâl ledled Sir Gaerfyrddin.

💚 OEDDECH CHI'N GWYBOD Y GALLECH FOD YN OFALWR DI-DÂL HEB SYLWEDDOLI HYNNY?

Ydych chi'n helpu partner, rhiant, plentyn, perthynas neu ffrind yn rheolaidd oherwydd salwch, anabledd neu gyflwr iechyd hirdymor?

Efallai eich bod yn:

❤️ Helpu rhywun i ymolchi, gwisgo neu baratoi prydau bwyd

💊 Rheoli meddyginiaeth neu apwyntiadau

🛒 Helpu gyda siopa, glanhau neu dasgau'r cartref

🚗 Mynd â rhywun i apwyntiadau meddygol

🏠 Darparu goruchwyliaeth neu gymorth i'w gadw'n ddiogel

💚 Cynnig cymorth emosiynol a sicrwydd

Nid oes rhaid i chi fyw gyda rhywun na bod yn perthyn iddo i fod yn ofalwr di-dâl.

💷 PA GYMORTH A***NNOL ALLAI FOD AR GAEL?

Yn dibynnu ar eich amgylchiadau, efallai y byddwch yn gymwys i gael:

✅ Lwfans Gofalwr – os ydych yn darparu o leiaf 35 awr o ofal yr wythnos ac yn bodloni'r rheolau cymhwysedd.

✅ Elfen gofalwr Credyd Cynhwysol – cymorth a***nnol ychwanegol i ofalwyr cymwys sy'n cael Credyd Cynhwysol.

✅ Symiau ychwanegol mewn budd-daliadau eraill – yn dibynnu ar eich amgylchiadau.

✅ Gwiriad hawl i fudd-daliadau – i sicrhau eich bod chi a'r person rydych yn gofalu amdano yn cael yr holl gymorth a***nnol y mae gennych hawl iddo.

Efallai y bydd gennych hawl hefyd i gymorth ymarferol drwy eich awdurdod lleol, gan gynnwys asesiad o anghenion gofalwr.

📢 PWYSIG: Gall hawlio Lwfans Gofalwr neu rai budd-daliadau eraill sy'n ymwneud â gofalu effeithio ar hawliau budd-daliadau presennol, gan gynnwys rhai'r person rydych yn gofalu amdano. Mae'n bwysig gwirio cyn gwneud cais.

💡 NID OES RHAID I CHI AROS NES BOD GOFALU'N MYND YN LLETHOL CYN GOFYN AM HELP.

Gall cyfrifoldebau gofalu effeithio ar eich cyflogaeth, incwm, iechyd a llesiant.

Gall cael cyngor yn gynnar eich helpu i ddeall eich hawliau, cael mynediad at gymorth sydd ar gael ac atal anawsterau a***nnol cyn iddynt droi'n argyfwng.

💚 Heddiw, rydym yn atgoffa pob gofalwr di-dâl: mae eich cyfraniad yn bwysig, mae eich llesiant yn bwysig, ac efallai bod cymorth ar gael.

📞 Cyngor ar Bopeth Sir Gaerfyrddin – 01267 234488

☎️ Advicelink Cymru – 0800 702 2020

💚 Am ddim • Cyfrinachol • Diduedd

Cymunedau cryfach, dyfodol disgleiriach.

28/10/2026

🏠💷 £100 COST-OF-LIVING PAYMENT CONFIRMED FOR WALES

The Welsh Government has confirmed that households in Council Tax bands A, B, C and D in Wales will receive a £100 cost-of-living payment to help with rising household costs.

📢 What do we know so far?

✅ The payment will be £100 per household.

✅ It will apply to households in Council Tax bands A–D.

⏳ The date payments will be made has not yet been confirmed.

⏳ We are awaiting confirmation of how payments will be made and whether households will need to apply.

⚠️ Please be aware of scams. Do not respond to unexpected messages asking for bank details to claim this payment.

Citizens Advice Carmarthenshire will share further information as soon as official guidance becomes available.

📞 01267 234488

🔗 Official announcement: https://www.gov.wales/written-statement-welsh-government-response-uk-autumn-budget-2026

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🏠💷 CADARNHAWYD TALIAD COSTAU BYW O £100 I GYMRU

Mae Llywodraeth Cymru wedi cadarnhau y bydd aelwydydd yng Nghymru sydd ym mandiau Treth Gyngor A, B, C a D yn derbyn taliad costau byw o £100 i helpu gyda chostau cynyddol.

📢 Beth rydym yn ei wybod hyd yma?

✅ Bydd y taliad yn £100 fesul aelwyd.

✅ Bydd yn berthnasol i aelwydydd ym mandiau Treth Gyngor A–D.

⏳ Nid yw dyddiad y taliadau wedi'i gadarnhau eto.

⏳ Rydym yn aros am gadarnhad ynghylch sut y bydd y taliadau'n cael eu gwneud ac a fydd angen gwneud cais.

⚠️ Byddwch yn wyliadwrus o sgamiau. Peidiwch ag ymateb i negeseuon annisgwyl sy'n gofyn am fanylion banc er mwyn hawlio'r taliad.

Bydd Cyngor ar Bopeth Sir Gaerfyrddin yn rhannu rhagor o wybodaeth cyn gynted ag y bydd canllawiau swyddogol ar gael.

📞 01267 234488

🔗 Cyhoeddiad swyddogol: https://www.gov.wales/written-statement-welsh-government-response-uk-autumn-budget-2026

28/10/2026

Your account may be locked immediately, but you still have options to access a bank account and manage your money during bankruptcy.

Find out more on our website ⤵️
https://bit.ly/47SmVpz

A yw eich cyfrif banc wedi'i rewi ar ôl cael ei ddatgan yn fethdalwr?

Efallai y bydd eich cyfrif yn cael ei gloi yn syth, ond mae opsiynau o hyd i gael mynediad at gyfrif banc a rheoli eich a***n yn ystod methdaliad.

Dysgwch fwy ar ein gwefan ⤵️
https://bit.ly/4z6Dx8W

28/10/2026

🏠⚡ **WORRIED ABOUT YOUR ENERGY BILLS THIS WINTER?**

As the colder weather approaches, many households across Carmarthenshire are worried about how they'll afford to keep their homes warm.

💙 **ARE YOU:**

❄️ Avoiding putting the heating on because of the cost?

💷 Falling behind with gas or electricity payments?

🔌 Struggling to top up your prepayment meter?

📩 Receiving letters about energy arrears?

❤️ Worried about keeping your home warm because of a health condition or disability?

**PLEASE DON'T WAIT UNTIL YOU'RE IN CRISIS TO ASK FOR HELP.**

At Citizens Advice Carmarthenshire, our energy advisers can explore:

✅ Affordable repayment arrangements with your energy supplier.

✅ Emergency fuel vouchers, subject to eligibility and available funding.

✅ Energy supplier hardship funds and grants.

✅ Benefits checks and additional financial support.

✅ The Priority Services Register for eligible vulnerable households.

✅ Energy-saving advice and available home energy schemes.

💡 **IMPORTANT:** If you're struggling to pay your energy bills, contact your supplier as soon as possible. They should work with you to consider an affordable repayment arrangement.

💙 **No one should have to choose between heating their home and putting food on the table.**

📞 Citizens Advice Carmarthenshire: **01267 234488**

☎️ Advicelink Cymru: **0800 702 2020**

💙 Free • Confidential • Impartial

📢 Please share – this information could help someone facing a difficult winter.



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🏠⚡ **YN POENI AM EICH BILIAU YNNI Y GAEAF HWN?**

Wrth i'r tywydd oerach agosáu, mae llawer o aelwydydd ledled Sir Gaerfyrddin yn poeni am sut y byddant yn fforddio cadw eu cartrefi'n gynnes.

💚 **YDYCH CHI'N:**

❄️ Osgoi troi'r gwres ymlaen oherwydd y gost?

💷 Methu cadw i fyny â thaliadau nwy neu drydan?

🔌 Cael trafferth rhoi credyd ar eich mesurydd rhagdalu?

📩 Derbyn llythyrau am ôl-ddyledion ynni?

❤️ Poeni am gadw eich cartref yn gynnes oherwydd cyflwr iechyd neu anabledd?

**PEIDIWCH AG AROS NES EICH BOD MEWN ARGYFWNG CYN GOFYN AM HELP.**

Gall ein cynghorwyr ynni yng Nghyngor ar Bopeth Sir Gaerfyrddin archwilio:

✅ Trefniadau ad-dalu fforddiadwy gyda'ch cyflenwr ynni.

✅ Talebau tanwydd brys, yn amodol ar gymhwysedd a chyllid sydd ar gael.

✅ Cronfeydd caledi a grantiau gan gyflenwyr ynni.

✅ Gwiriadau budd-daliadau a chymorth a***nnol ychwanegol.

✅ Y Gofrestr Gwasanaethau Blaenoriaeth ar gyfer aelwydydd cymwys sydd mewn sefyllfaoedd bregus.

✅ Cyngor ar arbed ynni a chynlluniau ynni cartref sydd ar gael.

💡 **PWYSIG:** Os ydych yn cael trafferth talu eich biliau ynni, cysylltwch â'ch cyflenwr cyn gynted â phosibl. Dylai weithio gyda chi i ystyried trefniant ad-dalu fforddiadwy.

💚 **Ni ddylai neb orfod dewis rhwng gwresogi ei gartref a rhoi bwyd ar y bwrdd.**

📞 Cyngor ar Bopeth Sir Gaerfyrddin: **01267 234488**

☎️ Advicelink Cymru: **0800 702 2020**

💚 Am ddim • Cyfrinachol • Diduedd

📢 Rhannwch y wybodaeth hon – gallai helpu rhywun sy'n wynebu gaeaf anodd.

27/10/2026

🚘 Got a parking ticket in the post when someone else was driving your car?

You might be able to appeal if you weren’t responsible for the vehicle, but it depends on the type of ticket you received.

Read more about your options here ⤵️
https://bit.ly/4yz3koY

🚘 Wedi cael ffein am barcio pan oedd rhywun arall yn gyrru eich car?

Efallai y gallwch apelio os nad oeddech chi’n gyfrifol am y cerbyd, ond mae’n dibynnu ar y math o docyn a gawsoch.

Darllenwch fwy am eich opsiynau yma ⤵️
https://bit.ly/4dSiIFC

27/10/2026

💷💙 **ARE YOU MISSING OUT ON MONEY YOU COULD BE ENTITLED TO?**

Many households across Carmarthenshire are struggling with the rising cost of everyday essentials.

But did you know that you could be entitled to financial support you're not currently claiming?

Even if you're working, receiving a pension or already claiming benefits, there may be additional help available.

💙 **HAVE YOU CHECKED YOUR ENTITLEMENT TO:**

✅ Universal Credit – Including additional elements for eligible children, carers and people with health conditions.

✅ Pension Credit – Extra financial support for eligible people over State Pension age.

✅ Council Tax Reduction – Help towards your Council Tax bill.

✅ Personal Independence Payment (PIP) – Support for eligible people with long-term health conditions or disabilities.

✅ Attendance Allowance – Help for eligible people over State Pension age who need care or supervision.

✅ Carer's Allowance or the Universal Credit carer element – Financial support for eligible unpaid carers.

✅ Disability Living Allowance for children – Support for children with additional care or mobility needs.

💡 **YOU DON'T HAVE TO KNOW WHICH BENEFITS TO APPLY FOR BEFORE CONTACTING US.**

Our advisers can explore your circumstances and help you understand what you may be entitled to.

💙 **A benefits check could make a real difference to your household finances.**

📞 Citizens Advice Carmarthenshire: **01267 234488**

☎️ Advicelink Cymru: **0800 702 2020**

💙 Free • Confidential • Impartial

📢 Please share – someone you know could be missing out on valuable support.



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💷💚 **YDYCH CHI'N COLLI ALLAN AR A***N Y GALLAI FOD GENNYCH HAWL IDDO?**

Mae llawer o aelwydydd ledled Sir Gaerfyrddin yn cael trafferth gyda chost gynyddol hanfodion bob dydd.

Ond oeddech chi'n gwybod y gallai fod gennych hawl i gymorth a***nnol nad ydych yn ei hawlio ar hyn o bryd?

Hyd yn oed os ydych yn gweithio, yn derbyn pensiwn neu eisoes yn hawlio budd-daliadau, gallai cymorth ychwanegol fod ar gael.

💚 **YDYCH CHI WEDI GWIRIO EICH HAWL I:**

✅ Gredyd Cynhwysol – Gan gynnwys elfennau ychwanegol ar gyfer plant cymwys, gofalwyr a phobl â chyflyrau iechyd.

✅ Credyd Pensiwn – Cymorth a***nnol ychwanegol i bobl gymwys dros oedran Pensiwn y Wladwriaeth.

✅ Gostyngiad yn y Dreth Gyngor – Cymorth tuag at eich bil Treth Gyngor.

✅ Daliad Annibyniaeth Personol (PIP) – Cymorth i bobl gymwys sydd â chyflyrau iechyd hirdymor neu anableddau.

✅ Lwfans Gweini – Cymorth i bobl gymwys dros oedran Pensiwn y Wladwriaeth sydd angen gofal neu oruchwyliaeth.

✅ Lwfans Gofalwr neu elfen gofalwr Credyd Cynhwysol – Cymorth a***nnol i ofalwyr di-dâl cymwys.

✅ Lwfans Byw i'r Anabl i blant – Cymorth i blant ag anghenion gofal neu symudedd ychwanegol.

💡 **NID OES RHAID I CHI WYBOD PA FUDD-DALIADAU I WNEUD CAIS AMDANYNT CYN CYSYLLTU Â NI.**

Gall ein cynghorwyr archwilio eich amgylchiadau a'ch helpu i ddeall beth y gallai fod gennych hawl iddo.

💚 **Gallai gwiriad budd-daliadau wneud gwahaniaeth gwirioneddol i gyllid eich cartref.**

📞 Cyngor ar Bopeth Sir Gaerfyrddin: **01267 234488**

☎️ Advicelink Cymru: **0800 702 2020**

💚 Am ddim • Cyfrinachol • Diduedd

📢 Rhannwch y neges – gallai rhywun rydych yn ei adnabod fod yn colli allan ar gymorth gwerthfawr.

26/10/2026

There’s lots to think about when moving home. From packing, to bills… and that’s all before you’ve even thought about buying some houseplants!

Check out our top tips for moving home ⤵️
https://bit.ly/4zdl9Lx

Mae llawer i’w ystyried wrth symud tŷ – o bacio i drefnu biliau… a hynny cyn ichi hyd yn oed feddwl am brynu planhigion tŷ!

Dyma ein hawgrymiadau gorau ar gyfer symud tŷ ⤵️
https://bit.ly/4zdl9Lx

26/10/2026

26/10/2026

💙📢 WE'RE STILL RECRUITING – DON'T MISS OUT!

Are you looking for a rewarding role where you can make a real difference in your community?

Citizens Advice Carmarthenshire is recruiting a Welfare Benefits Administrator!

💼 Job details:

💷 Salary: £24,825–£27,567 per annum, depending on experience.

⏰ Full-time – 35 hours per week.

🏡 Home working, with attendance at our Carmarthen office when required.

📄 One-year contract, with potential extension subject to funding.

💙 You'll be supporting our Welfare Benefits Caseworkers and helping us deliver an important service to people across Carmarthenshire.

⏳ APPLICATIONS CLOSE AT MIDNIGHT ON TUESDAY 3 NOVEMBER 2026!

📧 To request an application form and further information, email:

[email protected]

⚠️ Please note that CVs are not accepted.

📢 Know someone who might be interested? Please share this opportunity!



💚📢 RYDYM YN DAL I RECRIWTIO – PEIDIWCH Â CHOLLI'R CYFLE!

Ydych chi'n chwilio am swydd werth chweil lle gallwch wneud gwahaniaeth gwirioneddol yn eich cymuned?

Mae Cyngor ar Bopeth Sir Gaerfyrddin yn recriwtio Gweinyddwr Budd-daliadau Lles!

💼 Manylion y swydd:

💷 Cyflog: £24,825–£27,567 y flwyddyn, yn dibynnu ar brofiad.

⏰ Amser llawn – 35 awr yr wythnos.

🏡 Gweithio gartref, gyda gofyniad i fynychu ein swyddfa yng Nghaerfyrddin pan fo angen.

📄 Contract blwyddyn, gyda'r posibilrwydd o'i ymestyn yn amodol ar gyllid.

💚 Byddwch yn cefnogi ein Gweithwyr Achos Budd-daliadau Lles ac yn ein helpu i ddarparu gwasanaeth pwysig i bobl ledled Sir Gaerfyrddin.

⏳ DYDDIAD CAU CEISIADAU: HANNER NOS, DYDD MAWRTH 3 TACHWEDD 2026!

📧 I ofyn am ffurflen gais a rhagor o wybodaeth, anfonwch e-bost at:

[email protected]

⚠️ Sylwch nad ydym yn derbyn CVs.

📢 Ydych chi'n adnabod rhywun a allai fod â diddordeb? Rhannwch y cyfle hwn!

25/10/2026

🚨 SUNDAY 25 OCTOBER – FINAL DAY OF SCAMS AWARENESS CAMPAIGN

🔨 THINK YOU'VE BEEN SCAMMED BY A TRADER? KNOW WHAT TO DO NEXT.

You've agreed to some work. You've handed over money. Then something doesn't feel right.

Perhaps the trader has:
💷 Asked for more money than originally agreed
📈 Kept increasing the price
🚪 Disappeared without completing the work
📞 Stopped answering your calls or messages
⚠️ Done work you didn't agree to
📝 Refused to provide paperwork or receipts
😟 Pressured or frightened you into making payments

If you're worried you've been scammed:
🛑 STOP – don't make further payments until you've taken advice

🏦 CONTACT YOUR BANK OR PAYMENT PROVIDER as soon as possible if you've made a payment

📱 KEEP THE EVIDENCE – quotes, receipts, bank details, texts, emails, photographs and other communication

☎️ GET ADVICE AND REPORT IT – Citizens Advice Consumer Service can advise you about your rights and pass relevant complaint information to Trading Standards.

And please don't feel embarrassed about asking for help. Trader scams can happen to anyone.

Throughout Scams Awareness we've been saying:
🛑 STOP
🔍 CHECK
📱 KEEP EVIDENCE
☎️ GET ADVICE

The campaign may be ending, but our advice doesn't.

📞 Citizens Advice Carmarthenshire – 01267 234488

☎️ Citizens Advice Consumer Service – 0808 223 1133

💙 Free • Confidential • Impartial


🚨 DYDD SUL 25 HYDREF – DIWRNOD OLAF YR YMGYRCH YMWYBYDDIAETH O SGAMIAU

🔨 YN MEDDWL EICH BOD WEDI CAEL EICH SGAMIO GAN FASNACHWR? GWYBOD BETH I'W WNEUD NESAF.

Rydych wedi cytuno i waith ac wedi talu a***n – ond wedyn mae rhywbeth yn teimlo o'i le.

Efallai bod y masnachwr wedi:
💷 Gofyn am fwy o a***n nag y cytunwyd arno
📈 Parhau i gynyddu'r pris
🚪 Diflannu heb gwblhau'r gwaith
📞 Rhoi'r gorau i ateb galwadau neu negeseuon
⚠️ Gwneud gwaith na wnaethoch gytuno iddo
📝 Gwrthod darparu gwaith papur neu dderbynebau
😟 Rhoi pwysau arnoch i wneud taliadau
Os ydych yn poeni eich bod wedi cael eich sgamio:

🛑 ARHOSWCH – peidiwch â gwneud taliadau pellach cyn cael cyngor
🏦 CYSYLLTWCH Â'CH BANC NEU DDARPARWR TALU cyn gynted â phosibl
📱 CADWCH Y DYSTIOLAETH – dyfynbrisiau, derbynebau, manylion banc, negeseuon, e-byst a lluniau
☎️ MYNNWCH GYNGOR A RHOWCH WYBOD AMDANO

Peidiwch â theimlo cywilydd ynghylch gofyn am help. Gall sgamiau masnachwyr ddigwydd i unrhyw un.

🛑 ARHOSWCH
🔍 GWIRIWCH
📱 CADWCH DYSTIOLAETH
☎️ MYNNWCH GYNGOR

Efallai bod yr ymgyrch yn dod i ben, ond nid yw ein cyngor ni.

📞 Cyngor ar Bopeth Sir Gaerfyrddin – 01267 234488

☎️ Gwasanaeth Defnyddwyr Cyngor ar Bopeth – 0808 223 1144 (gwasanaeth Cymraeg)

💚 Am ddim • Cyfrinachol • Diduedd