Well, I had this running quite a while, and I'm still not completely there yet, but that may have to do with what I did.
I'm not sure whether that's what you wanted, but you hardly spent anything on the citizens. I may have squandered most of your savings by now, but you can do a few things differently. I did the following:
1. Set all taxes to default, which is 9% (down from your 12-13%)
2. Set all budget sliders to default (100%)
3. Plopped lots of services, and I mean pretty much everything, from fire stations, healthcare, crematoriums, police stations, etc. You had one clinic (the small one) for a 100k city. That may be sufficient for the number of sick you typically see, but it isn't enough to upgrade buildings, and only high level buildings pay high taxes.
4. Plopped lots of electricity buildings. I'm not sure why, but the city had an enormous deficit when I opened it. Maybe, CO tinkered with this in one of the DLC's.
5. Added some water utilities because I also had to add some residential areas as the city had a considerable worker shortage.
Things that are probably not necessary for you:
6. Had to add a prison. With After Dark, crime mechanics changed, and your city had a 9% crime rate and no jails. This building should disappear again when you load the city. No idea where the crime rate will end up at.
7. Added the Match Day stadium from the free DLC, because I was bored. Yes, it's expensive. Yes, the budget looks scary in the month where you give all your citizens a free ride. However, if your team wins, it's a nice sum of cash you get.
8. Added a metro line. That wasn't strictly necessary, and it's not the most useful one, but see point 7.
You city will always be a bit expensive, because it's cul-de-sac heaven. That's nice and quiet for the residents, but services have to run very long ways back and forth, which means you need more of them than usual. Also, as the influence radius is determined by road length, you waste a lot of upgrading influence that way. The third drawback is that it's difficult to run bus lines through the neighborhood, should you want to, and sometimes you want to, just for upgrading reasons.
I'm not sure how long this city will still take to get to a new baseline. Maybe it's already done, but the graph still doesn't quite look like it.
That graph you see there is behind the City Statistics button in the game's pause menu. I only say this as I'm not sure whether I understood you right that you don't know where to see that. If you do, forget what I just said.
Without further ado, here' the save.
Edit: I forgot to mention, as you wanted me to do nothing in the beginning: after the first day/night cycle, the daylight income was positive. However, as the city ran into problems for me, I could not really wait very long to see what happens without doing anything. The overall income was definitely still negative at that point.