I got it yesterday... pretty fun even though I have difficulty getting my city to grow effectively.
I had difficulty with balanced budgets at first too. The trick is to tax based on demands for the different types of zones. If there is a high demand for low-density residential areas, for example, tax low-wage earners at a higher rate. Some might move away, but you'll get a lot more money and they won't be pushy about it anymore. Plus, you can tax right above the move away threshold so you'll just have disgruntled citizens who don't leave, like in the real world!
Then, cut away at service spendings and provide cash only on the marginals: no empty hospital beds, no empty classrooms. Just like the real world!
And walla, a budget is balanced!
Switch, I have minimum system requirements and don't have any trouble running the game. Have you tried turning down the graphics settings? The default is set to max, which I'm sure would tax my system as well.