PORTHI DRE (A Charltsbk lll¢orpornt¢d OrganisatioD) Unaudited Report and Financial Statements Period ended 311t March 2024 Cbarity Number: 1200984 PORTHI DRE Contents P&ge Legal and administrative inform*ion Repon of the tru5*es Independent examiners. rtport Statemertt of financial ¥tivitie5 Balance sheet Notes foming part of th¢ finaneial stsiements 10- 16 PORTHI DRE LEGAL AND ADMINISTRATIVE INFORMATIOiY TRusfEES Dawn Lynne Jones Olaf Cai Latsen (Chairl Eleri Gwyt) LovgTe¢n Cemlyn Rees William5 REGisfERED OFFICE Ty Seiont l."foTdd Santes Helen CAERNARFON Gwyttethj LL55 2YD BANKER Lloyds Bgnk PLC 98 Victoria Street I.ONt)ON SWIE5JL AccouNfANI3 W J Matthcws a'i Fab 11-15 Y BoniBridd C¥rn8rfon Gwyn¢dd LL55 IAB PORTHI DRE Report of the truste*s for the period ended 31 M*reh 21124 The irnstees subrnii their annual report and the unaudiied financial thtements for the period ended 31 March 2024. The trustees have adopted the provisions of the s￿eMent of Re¢ommended Pra￿1¢¢ (SORP).A¢￿￿nI]n8 and R¢p)rting by Charities" Lssued in March 2005 itt pr¢paring the annual report and financial Statements of th¢ charity. The eharity became a re8iStered Clwitable IneorN>rated Organis￿l0n on 11 November 2021 Charity Number.. 1200984. Investment Powers Under the consiituiion document of the CIO. the charity has the wJw¢r to make any investsnenL which the trust¢¢s see fiL Method of appointment of trwlees Trusttts are ap￿Ill1¢d in accordartce with the Constitirtion's guidelines. Each new trusttt is app)int for a tem of three years by a mtion passed by the Board of Trustees. In Order io effectively serve Porthi Dre, when sele¢ting irtdividuals w be aPFL)kntrd u charity tnjsw c%)nsider8tion must be 8iven to their skills. kttowl¢dg¢ ¥nd upcri¢n¢e. Obje¢¢$ of ¢h¢ Charity for the b¢neftt of the p#bli¢ Th¢ main objects of the charity are.. to promote OT be of benefit to the residents of Caernarfon and the neighbourtjood, without dis¢in¢tion in temis of gertder, sexual orienlalion. race or p)liti¢al, religious or other views by connecting the residents and the I(￿1 iutTrK)rilie& voluntary or8ani2Ations and others in a eommon ¢ffor( PToviding f￿11]tieS for welfare for rKreauon and leisure tin)e with the aim of improving the living conditions of the residents. In the public interrt prevent or alleYia* ￿verty or fm8ncial hardship in Caernarfon and the Surrounding are4 by ptuvidLn8 fO￿j and other essential itCrn5 to individuals in need. In furtherancc of these objects but not otherwi5¢, the trustees Shall have power.. to establish or Secure the establishment of 8 communily centre and kn maintain or manage or co-operate with any statutory authoriry in the moint¢nan¢¢ and m8nag¢ment of such 8 centre for activities promoted by the charity in furtherdnce of the aFKJve objects. Rel*t10115hip with interested parti The charity 15 grateful for th¢ continued support of itrtertsted parties su¢h as the We15h Govcrnment, CyngorGwynedd, North Wa]es Polit< North w￿¢5 Hou5in8. Adr4 CIST Gwynedd, Mantell Gwyn¢dd, the NFU and HWB C*rntrfon. Policy regarding Funds The Charity is very d¢pcndent upon the continued 5UPWJrt of IntereS￿j p8ni¢s. The ¢harity's mai obj¢ctive is to establish ￿ le&st a breakrfv¢n position ¢a¢h year by generating Sufficient funds from its ordinary aciivities to mer costs in orderto Incre￿ the balance on geTh￿￿ reserves. Our r¢s¢Jves policy Slales that th¢ Charity's numing cost5 and rcdundancy costs of staff should be kept with at le&st 3 months in reserv¢. PORTHI DRE Rewrt of tbe trnstees forthe period ended 31 M*reh 2024, contlnue(L..-- Review of FlnaDclal Activitits Welcome to the fJr5t Annual Report of the Tnjsttes of the comtnunity hub known as Porthi Dre. Little did the small group of volunicers who s¢t outto feed the resid¢nts of Caemarfon during the Covid period know thal three years later. th¢ir efforts would lead to the creatiort of a hub thai m8ke$ a real differ¢nc¢ to the lives of people of all in the town. Th¢ essence of Porthi Dre's work 15 to wkle wjverty and in¢quality iti Cacrnarfon and the surrounding sre& An Awiual Report 15 an oppotwnity to look bac* and look fonwarf Perhaps the best way to look back is usin a timeline-. Dgte November 2021 Receipt of 8 Food Poverty Gra￿ from the Welsh Governm¢ntto fund the Employmertt aProjec¢ Mana er Leasio r¢emertt for the T. Seiont builditi Receive the remaindcr ofthe Welsh Government's Food Pove Gr8nt Rertovatitig Ty Seiont.. iD5tallit)g a new ki¢chen. estsblishing an electricity and gas supply, openin8 a Rhannu'n D¢8 thop in the lobby (h %heme that distribute5 food wasie from su emiarketsl int 8 New Pro'e¢t Man Secure charitable llatu$. Start hirin rooms for health attd welln¢ss o nisations in the communi R¢ceive the first instsllrneni of G ncdd Council's Hub Estsblishment Grant New k¥i¢hen in o er8tion: em ID rust chef - Mark While Knitting club starts- Pwytho Dre. Re¢eive lh¢ flnal rtion of G nedd Coun¢il's Hub Establishment Grant- totsl of £44k Serving the first Rhannu S8ran (homeTrad¢ and nutritious meal and d¢sserL free of ch￿8¢, eve TuL•sda and Thutsda int a new Mana per 3Trd a new Communi Chef Open YouD8 People's Club. 11-14) ev¢ry Wednesday ni8hL 6..00- 8..00pm. Acuvities aDd a hoi meal. free of ¢ha Opcning ofcaban y Cofis (Mensh￿) ConiiThue kn hire spacc and rooms Receive a rani from Adrn Housin A5so¢iation toward5 trans Receiv¢ funding for Rhannu S8ran from NFU Art Club for ¢hildrcn durLiJg5chool holidays in ¢onjuncliort with Carn- art a¢tiviii¢S packed lunches. free of charge. Keceive a gTan( Trom Hwb Cxrn•rfort io host the Yovtt8 P•opl+'% c.1￿6 over the summer. Rcccive Ci 'ncdd Council's contribution to maintain the Club until Mar¢h 2024. Colc Menai and Cole Meirion D for hire the ki¢¢hen three limes a week Receive rants towards food rnenstru￿ ￿d$ ond su rt ￿wardS livin costs Opening Clwb Sehonl and Clwb Hwyl for older artd disabl¢d people . Monday morning and afternoon activiti¢s. and frtt home-made and nutritious lunch and dessert. Receive 5UPPOrt towards establithing the club from Gwyndd CouTh¢il's Depatheni of Soci81 Services. Receive a grant from th¢ Youth Servirts EdU￿tiOn Depwthient and HWB Cacrnarfon for the Youn le's Club Christrnas Lunch and Dessert free of charg< every day for a week for the wmmunity. Sponsored by NFU. Adr& North Wa]es HousingAssociation and North Wale5 Police. Receive a rani fToJn Creadi OIG nedd towards Clwb Seionl'5 activities. Siarting a Warm Wcl¢ome An Club in the evcning for 6 weeks, with the help of tho Mantell edd tA*nelilless Futhd GTant Won 2nd TAC Qolice Community TTUStI award ￿￿1ve a Social PrOS￿rity FuDd (SPF) gtW)t from Gwytsedd Council Hubs. Gralli frotn the Police and Crime Commissioner toward5 th¢ Youn le'5 Club. Rwms aThd spaces hired outon a daily b&%is. R¢etiv¢ a grdnt fTOtn Gwynedd Council's Housing at)d Propty D¢pariment towdtds Porthi Dre's woth SUp￿)rtIng homeles5n¢ss and preventing homelessness Februa 2022 A ril l June 2022 August 2022 November 2022 December 2022 2023 Febru8ry 2023 Ma￿￿ 2023 Ebrill 2023 May 2023 June 2023 rtin users to activities July 2023 Au8USt 2023 temb¢r 2023 October 2023 November 2023 tk¢ember 2023 January 2024 February 2024 March 2024 PORThI DRE Report ofthe tn￿tee8 forthe period ended 31 Ma￿h 2024. contIn￿eL_ ofth rovided Porthi Dre Clubs Data March 23 to March 24 150 ILX) 11 Mar-23 Apr.23 Moy-23 Jun-23 Jul-23 Ww*23 *-23 Oct-23 Nov-23 Dec-23 Jan-24 Fe￿24 Mar-24 •Rh•nnu Sgrnn Tuesday •Rh•r￿1 %r4n Thursday Fareshare £3 Pl￿th0 Dr• •SelontClub Ywn8 Peo￿e'S Club 11¢ table above refl¢¢ts the facts SthiistiC5 behind Ponhi Dr4 but no initiatt.ve would s￿e¢d without the dedication of the S¢Aff and voluntrers who supW IL So who is who? Ann¢ Evan3- Manager Anne's background 1$ in ftnancc. joining the inittative ￿ the very be8inning a5 4 volurt￿r keeping an eye on ajl fin￿¢1￿] matters. When the post of Mana8er bec8m¢ vxanc Anne stepped in. and she now works 24 hours ? week for the Charity. Geraint Thomas- Chef Geraint h&8 a wealth of experience working os 4 chef, including a background as & Foresty and Coun¢rysid¢ Officer. He now wo￿5 26 hours a wvk cty)kin8 nutritio￿ meals (or the community of Caernarfon and the DistritL By now we have over forty willin8 volunieer4 of ages and backgrounds. hclpin8 the St￿tr) achieve Porthi Dre's goals and objectives. Th¢ Voluntee￿ are our mort Valuable asse4 and their contribution is gTe8ily appreciated. ns ent Bo#rd Steering everythin8 is a dedICar￿ Managem¢ni Board, the member5 of which are.. Dawn Lyttne Jones (Trusttt). Cai Larsen (Trustee), Eleri Lovgreen (Trnst¢¢l. Cemlyn Williams ITnESte¢). M¢inrr Evans, Alun Wyn Jonw Dr Nia Huws, Shaun Phillips, with loan Thomas as ￿mmental0r. Ackoowledgmetsts No R¢port would bc compleic without thanks. and Porthi Dlr thar&s frt>m the of its Ileart for the support of the various organiwions frDm sectors- the Priwdte sector. the voluntary se¢torand the third se¢tor- who hire spatt in Porthi Dre building. In return ftsrtheir Sup￿ry they gel fresh homemade Cakes and a cup of tea to support than! Porthi Dre 15 very forttmate to have the supwrt of local suppliers, Roberts of Port Dinorwi¢ Ltd and Castcll Howell. who Share the same aims and objrftives. By taktng advantage tsf the genemsity of lo¢al 5upplkers, we ensure that as far as we Ca￿ we keep the p)wKI local. PORTHI DRE RetKbrt of th¢ trustees for the ￿riod ended 31 M*rth 2024, continued_ Major risks revlew The major risk ai the moment is sofeguarding the continued sUp￿rt of inletc$ted p8rti¢s. To dat4 the hatity has srfured sufficient funding in order ￿ M￿nI31Th its objectives (or the forese¢abl¢ fubjr however every effort will be made to secure ¢oThtLrtuation of thi$ support for fi1tsj￿ years Ls well as approaching other source5 offilnding. Trustees responsibilities In rnlfition to the Iln•ncl•l ststements The charity Inistees arc r¢sponsible for preparirt8 a ¢nJStces' annual report and financial statements in ccordan¢e with applicable law and United Kmgdom Ac¢vuniin8 Standards (United Kingdom Gener￿lY A￿epted Accountin8 Prnaice). Th¢ law applicable to charitics in Ertgl4nd and Wales requirts the ch¥rity trusw to prepare financial ststemenis for exh yw whi¢h giv¢ a we and fair vicw of the state of affairs of ihe charity and of th¢ incoming resources and application of resources, of the chviry for period. In preparing the rmancial sta(¢ments, the mLae¢5 are requiml w.. selert suitable awunting policies and then apply them consistently: obs¢rve th¢ methods and principles in the appli¢able Charities SORP: make judgements #nd estimates that are rtasondble 8nd Prudent; statr whether applicable a¢o)unting $thnda￿s have been followed, subjrtt w ￿Y material d¢partures disclosed and explained ID the fin8n¢ial siatements; prepare the financial staiemetts on the going concern basis unless il 1$ inappropriate to prttume ihat the charity will eontinue in busirK5S. The tnistees are reswjnsible for k¢¢ping proper a¢countin8 rewrdsthit disGl¢)se with rewnable a￿￿8¢Y 8t any time the finaThcial position of the charity and to enable them th ensure the financiAi ststements comply with the Chariiies Ath 2011, the appliobl¢ Charilies (Accounts and Reports) Regulations, and th¢ provLSLons of the TnL5t deed. They are also re%p)nsible for safeguarding the ass¢ts of the charity and tskiThg re&80nable sw for the PTV4en¢ion and detraion of fraud other irre8ulaTitie& The trustees are re5POt)sible for the mainttnance aftd iM¢grity of the charity and financi￿ inforniation IDcluded on the ¢harity'$ website. Legislation in th¢ Uniied Kingdom 8ovemLng the prep&rnthon and dissemination of financial statements may differ from l¢gislauon in other jurisdictions. Report Ayvrovcd. Oknf CAI L•rsen (Chair) D*¢e: 12" November 2024 INDEPENDENT EXAMINER'S REPORT TO IIIE TRusfEES OF PORTHI DRE Ind*peDdent ei•miner'$ Teport io th*Trust¢es of Porthi Dre Trnst I report to the ttu5tees on my examillation of the x¢ounts of Porthi Dre (the Trust) for the year etjdcd 31 March 2024, which ar¢ set out on pages 2 to 16. Respo￿lbIllIIm ind b￿￿9 of rnp)rt As the charity trusiees of the Trust you are reSP)I￿1b1¢ for the preparnion of the a¢o)Uttts in aCCA)rdanee with the requirements of the Charities Aa 2011l'the Ad'l. I rew)rt in resp¢¢t of my examinatton of th¢ Truste¢'s accoijiits carried oui under se¢¢ion 145 of the 2011 A¢t and in canyiftg out my examination I have followed ail the appli¢abl¢ Dircdions 8iv¢n by the CharRty CommÈssiort under wion 145(5Xbl of th¢ 2011 A Independent eigmiD•r'$ $t*twntnt I have eornpletcd rny examination. I confirn no Materi￿ rn*ters have come to my attention in conntKti¢)n with the cxamination giving m¢ causc to belEeve that in any m8tcrial rcspect.. (l) acrKJuntin8 re¢4)rd$ were kept in reslxd of the Trust as required by ￿tion 130 of the A¢t; or (2) the a¢wuThts do accord with those Rtsxds: or (3) thc a¢¢ounts do tornply with the applicable requirements eonctrning the forni and Content of accounts set out in the Charities {A¢￿unts and R¢portsl Regul*ion5 2008 other than any Tequirement that the ￿COUnts give a'irue aDd fair view. which is not a m4tt¢r c4)nsidered as part of indeFend¢tht examinatiort. I hav¢ no ¢¥Jncerns and have com* across ¢xher matters in M￿J￿¢t10n with the examination ￿ which tt¢ntion sknuld be drawn in this report in order to enable • proper understhndin8 ofthe &counts to be reached. David Chidley WJ Matthtws & Chirtered Atcountants 11-15 Bridge Stre¢t Caernarfo Gwynedd LL55 JAB DAte: 121* November 2024 PORTHI DRE ststeffjent of Finano*l Aclivttiesfor t￿perIc￿le￿￿1ed 31 March 2024 Unrestricted Funds Restrieted 31 March Fund5 2024 Nota In¢omin% resourtes )nations 8nd le8aci¢s 13.0 13.090 Charitabl¢ activities 94.543 99.543 invtstment in¢4The 13,465 13.465 Other inwme.. Futhds introduced at l April 2023 93.415 93,415 Totxl 214,513 5.000 219,513 Expenditure ott: Charitable activities 111.921 Trlet expendltsTt for the yar 102.592 5.000 107,592 Bil8￿e * 31 March 2024 £102J92 £5,¢JOO £107,592 All of the abov¢ results are derived from LX)ti¢iJuing *tiviti¢5. All 8tiins and1055es r¢cognised in the year are included atth ¢osts that Ca￿ be allocated directly to such ￿1vItieS and those ¢osts of an indirect naturc ne¢¢ssw to support them. Where costs cannoi be dire¢dy attributed to parti¢ular headings th¢y have been located to a¢tivitics on a b&sis ￿nSIStent wth the use of resources. Govemance eosts ￿ those costs ass(Kiated with meetin8 the constitutional aThd statutory ttquirem¢nts of the Charity. Tin%ible fixed •ssets #nd depreelldon Tan8ible fixed assets costrng more than £1,000 #re capitali5¢d and I￿luded at Cost including arty incidentsl expenses of acquisiiiorh. Fixed &8sets are stated ai Cost ￿ valuaiion less ac£umulated depreciation. Depreciatitin is calcul￿ed ￿ wri* off th¢ COSL l¢ss residu￿ V￿u¢, on a stiai8ht-line basis over thetr expeet&J useful economic lives as follows.. Equipment 25% Turnover Turnover is d¢rived from ordinary aCtivili4 dttivrgj wholly in the UK and net of Valu¢ Added Charlt*ble •ctivitiu iAeome UnreStr1rt￿ Rostricted 2024 Fundraisin8 acttviti¢S W¢lsh Government- Regional lrtte8ralion Fund Cyngor Gwynedd- Food Project Grant Cyn8or Gwynedd- Young Pwple's Provision Grant Cyn8or Gwynedd- Cr¢ats"ve Grani Clwb Seiotti Cyngor Gwynedd- Eld¢rly P￿P]e'S Provision Graat Cyngor Gwyn￿d- Cost of Living Support Grani Cytt8or Gwynedd . Menssrual Support G￿t Hwb Caernarfon grant Cyngor Gwyn¢dd- Housin8 Supp)rt Grant North w￿e$ PolL¢¢ North Wales Police Crime athd Commissioner Grant North Wal¢s Housing Grant Adrn 8rant- Community Jnvestment Fund UK Governtnent Shared Pr05periry Fund Grartt Maniell Gwynedd- Wami Welcome Grani CIST Gwynedd IGwynedd Communty Che 1.505 25,000 4,331 2.500 2J15 3.750 1,505 25.01)0 4J31 2,500 2,515 3,750 3.000 2,000 4,130 28,102 250 3.170 100 2,(KlO 4.130 28,102 250 3,170 1¢ I,(KJo 15,0(N) 1,590 1,600 15,0 1.590 1,600 £94,543 £5,000 £99,543 PORTHI DRE Notes to th¢ finanei#l st*temelltsftsr ihrFeri0deth￿S1 Alarch 2024 (Contim*d) Unrestrleted Re5¢rietsd 2024 IDvestDJeDt ineome 13.465 ReDtai in¢orn¢ 13.465 £13.465 £13.465 Trnnsfer of funds l April 21123 Porthi Dre was registe￿d with the Charity Commission on I l November 2022, after previously operaling undu the suwvisioTh of Cyngor Tr¢f Frenhinol C8¢marfon ICTFC). CTFC prepare their finan¢ial Stateme[￿ annually to 31 March. TraDS*Ctions on behalf of Porthi Dr¢ hav¢ been included in CIFC'S accounts to 31 Mar¢h 2023, with the Wanrx of funds at th¢ y¢ar4nd of £93.415 transfe￿￿ to the CIO on l Awil 2023. Unrestrieted ReMrl¢ted 2024 Cost ¥)f Charlt•ble •ctlvitieJ Wa8¢5 sthries Administrative supporf Htat and li8ht Repairs and maint¢nanc¢ Pest ¢orttroI Telephone wA￿r rnies Wast¢ eollection Rent Insuranc¢ Food ¢osi$ CleanLD8 Cook 32,517 15,299 6J85 1.936 300 616 123 .326 14.000 2,245 7,549 1.949 850 32,517 15,299 6.385 1.936 300 616 123 1,326 14,000 2245 7.549 1.949 350 85.095 85,095 SupN)rt ￿$ts (N)tr 7) Gov¢rnanc¢ costs (Note 8) 22.430 4J96 22.430 4.396 £111,921 £111.921 12 poirrHl DRE Notes to the fin8ncial st*tements for ikwiodended31 Moreh 2024 (Coniinued) ijnrtstrictwj R¢stricted 2024 Support Costs Postage. priniing and s￿l0￿ery Consumables and pxkaging Workshop and events W¢bsite ¢osts Fund raising Li¢cnces HWB Caernarfott Transport and sundry costs Volunteer ￿$ts Depreciation 561 1.044 4.689 822 400 937 621 899 388 12,069 561 1,044 4,689 822 400 937 621 899 388 12.069 £22.430 £22,430 Govern*nee v￿restrkted Rtstrirted 2024 Ae¢ountancy fe¢s Cyngor Tref Caern￿on Council 1.366 3.030 1.366 3.030 £4,396 £4.396 Staff costs trnstee*' remuD¢rAtto 2024 Wages Nationaj Insurance Employer pension contributit 31.362 457 698 £32.517 Durin8 the year the 4versg¢ number of full-timc equiva]¢nt employees was 2. Th¢ charity eortsiders that th¢ key man88emeni personnel include the trustCC5 and cwrdinotor. The lotal ￿sE of ernploymeni (including etnploycr pension o)ntributions) of key (nanagement personnel for the year was £21,468. No employee earn￿ £60,000 a year or rn(￿¢. N) ffmuneration was paid or expenses r¢paid io any of the trust¢e5 during the year. No money was repaid tt> the Trustccs foreosts. 13 PORTh1 DRE Notd to th¢ fin8neiAI st•tementsfor ilxperioden&d 31 hl(rch 2024 (Conlimxd) io. Fixed a￿ts Equlpmenl Cost or valxrtlion At l April 2023 and At 31 March 2024 48.276 DeprécidloR Char8e for the year 12,069 11069 At 31 M￿Ch 2024 Nd Book Valm £48276 At 31 March 2023 £36207 Ai 31 MaKh 2024 Debt•rs 2024 1.720 1.123 Rental d¢btors Prepaym¢nts £2,843 Creditors: yirthin tsM)*47r 2014 1.868 Acrniais £1,868 13. CorpoThtion T•x Porthj Dre has charitsble statys #nd as s￿h is not chargeable undcr Corp)rntion Ttx. 14 PORTIII DRE Notes to the ffftn*ncia] statementsfor ikFrithlepthd31 March 2024 (Coniim*d) 14. Transadions Pvblit Auiborities and other interested parties During the year the chartty received the followtng income." Welsh Gov¢rnment Cyn8or Gwynedd- various Brattts Hwb Caernarfon North Wales Police North w￿¢$ Housing Adra Shared Prosperity Fund (UK Governmatt) Mantell Gwytjedd CIST G￿￿edd /Gwynedd Cornmuttity Che 2024 25.000 46,198 4.130 3.420 100 1.000 I5.0￿) 1.590 1.600 l& Con¢roUADg Party The organisation controlled by th¢ Truste¢s. 16. StAtement of Funds 31 M*rch 2024 Ineome Expendltur• Unrejtrlcted Funds General Rese 214.513 (111,921) 102.592 Rtstrlcted Funds Cosi of Livin8 Support grani met)St￿8[ Supp)rt Grant 3.000 3.000 2,1)00 5,000 Totsl £219.513 (£AII,921) £107J92 15 PORTHI DRE Notes to tht fin4n¢ial ststetnetstsforthepetiodended31 Morch 2024 (Continug Fixed Current Current Credito Total Unrestrieted Fundq: Gener2] Fund as at 31. March 21)24 £36207 £68253 (£1.868) £102.592 Restricted Funds: Cost of Living Support Grant Menstrual Support Grant 3.000 2.iKIO 3,000 2,000 Restrictcd Funds &$ at 31. March 2024 £5,000 Th¢ unre$tri¢t¢d fund is us¢d to promoR th¢ Ch￿ity'S a¢tivities. ReJ¢rided Fvnds: C*￿t ofLtvln8 Support GrnTrt These are funds received through the Adult Health and Wellbeing Deparunent of Cynsor Gwynedd to provid¢ f¢x)d and fuel vouthers to support and help rtsid¢nts with cosl of livin8 chailery8es. M•n8trnil Support Gr•nt Th¢s¢ are funds received throu8h the Adult Health Wellb¢ing E*pm¢nt of Cyngor Gwynedd io provide memstruol produ¢ts w supwrt help residents with cojt of living ehallenges. 16