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Also fires do no real harm as bulldozing is free for you, there's really no harm at all in just letting the odd building burn down if applying sufficient fire coverage is too expensive.
Also another tip, is to only use green power, the upfront cost is higher but the running costs are lower, so you have a healthier budget surplus in the long run.
I make a really good profit on hard mod difficulty (typically 0.5-1.0 profit per cim), so the "Grow your population, be stingy on services" approach is really strong.
2. These are digital Cims, there is 0 effect having your tax at 12% vs 7%-11%. At least none that showed up to me. Do not treat your digital cims like real people. Real people would love to have such low taxes.