In this episode of SILosophy, Tania Gomez is joined by Melissa from Avanti Accountants to break down the complexities of SIL financials. From understanding participant-to-staff ratios to managing overtime costs and tracking cash flow, this episode is packed with practical advice for SIL providers looking to improve financial sustainability.   Melissa shares key insights into the Disability Worker Cost Model, the SCHADS Award, and how to effectively monitor expenses to avoid financial pitfalls. If you’re running a SIL business, this is an essential listen to help you manage your margins and stay profitable in the long run.   Episode Highlights: 00:00 – Welcome & introduction: Meet Melissa from Avanti Accountants 02:10 – Why understanding SIL financials is critical for long-term success 04:15 – The impact of participant-to-staff ratios on SIL funding & expenses 06:30 – How to structure rosters for cost efficiency while meeting participant needs 09:05 – The Disability Worker Cost Model: What it is & why it matters 11:40 – Understanding the SCHADS Award & its impact on your SIL business 13:50 – The financial impact of overtime & public holiday penalty rates 16:20 – Managing last-minute roster changes: Minimizing overtime costs 18:00 – How to track NDIS funding effectively & avoid running out of budget 19:35 – The importance of a cash flow buffer: How much should you keep? 21:00 – Diversifying income streams: Strategies to reduce risk in SIL operations 22:10 – Final thoughts & how to connect with Avanti Accountants   Follow Tania Gomez Consulting on Facebook: https://www.facebook.com/taniagomezconsulting/ Instagram: https://www.instagram.com/taniagomezconsulting/ LinkedIn: https://au.linkedin.com/company/tania-gomez-consulting   Or you can also visit our website: http://www.taniagomez.com.au/   #silosophy, #silfinancials, #avantiaccountants, #taniagomez, #taniagomezconsulting, #ndis, #ndisproviders, #ndisfinance, #ndisfunding, #supportindependentliving, #ndisbusiness, #ndiscompliance, #ndisaccounting, #ndisepisode13, #accountingtips