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Prior to this, dont need to worry.
Just make sure you only zone on demand, dont build upgrades until absolutely necessary and make sure you are selling excess power and water. Ensure you have decent education and all your cims have limited negatives
And do not be afraid to crank up the taxes.
Get an elementary and high school down. They're needed to get your industry and commercial up to level 3. College and university as soon as you can afford it to start getting companies up to level 5.
Then wait.
The income from the garbage service fees will carry you over till your citizens get educated and start getting well educated and highly educated jobs and you start getting office demand.
Well educated and highly educated you should view as your only real net tax payers. Think of the uneducated, poorly educated as net losses when it comes to taxes vs expenses on city services to keep them happy. Educated are just break even.
Don't discount them though. Uneducated and poorly educated will make up the bulk of the workforce in all of your specialized industry and resource extractor zones as well as some of your government service workforce.
Level 5 companies will mostly only be hiring educated and up.
try to make a mix in the commerciele zones from car park and park, around the commericel zones anough residentel zones. You better info in commerciel zone tab in left corner.
https://steamcommunity.com/id/rednas12/screenshot/2272690916285731575/
As an example, my current city has 3 wind farms consisting of 20 turbines each with solar and blade upgrades (don't bother with the battery). As it happens, the highlands map I'm using has strong winds across the borders, allowing me to keep them away from residents that will complain about the noise.
Give each wind farm it's own transformer station (you'll need this to convert low voltage to high) and link up with the border using the high voltage pylons. You may still use low voltage lines to supply the city, but get in the habit of using a grid rather than just a single line as it can bottleneck, suffocating the city severely if you're not watching it. Both low and high power lines can go underground, too. Which can help keep things tidy.
A similar method for supplying water to neighbours exists, too, but isn't anywhere near as profitable.
More advice for earning a better income for your city involves taxes. Tax is the blood your city survives on, so keep your citizens happy by constantly responding to various needs. Higher taxes earn you more in the short run but obviously makes people unhappy. Lower taxes can actually earn you more in the long run, because people are more likely to stay and more people want to move to your city, meaning more tax payers. You'll notice this more as the population grows and you'll want to encourage this more for a faster reward. Transport and education will also become more profitable if placed right.
When you start seeing low density zoned buildings start to complain about high rent, especially if you have set your taxes quite low (AND decent services provided), this can be treated as a good thing. It's an indicator that the areas that this is occurring are ready for medium or high density development. That means more people per smaller space to pay tax and for everything else that your city offers.
https://steamcommunity.com/sharedfiles/filedetails/?id=3096026522
Honestly, don't worry about it, i started turning a profit somewhere at 5k pop after halving the services, and then just buying a geothermal plant and selling the power.
at 8k? now, i put them back upto 100% and still doing fine.
Out of curiosity I just started a new game but it seems like there are no difficulty options or anything that I could change to make it more of a challenge. Anybody an idea? Am I the only one to make insane money without any effort?
No, the game just throws money at you. It's a no loss situation. I really think the only way to go bamkrupt is to place all services down first thing but even so the level rewards may stop that I dunno.