heres some starting tips:
- build slowly!
- Build low-density commercial and residential zones, and medium density industrial zones.
- Micromanage the funding for the services (school, police, etc.) you do provide.
- your power plant probably produces more then you need, lower the funding to match your needs. Although remember, lower funding will cause your plants to decay more rapidly.
- Raise taxes to 8 or 9 percent in the very beginning to give your incoming money a boost.
- Focus on residential and industrial at first, once your city has grown a bit, then add commercial zones.
- Expand slowly as your budget starts to show a profit. But don't spend too much!