Then click the game to resume at the slowest speed (I believe it's called 'turtle'). Everything else, until you repay your loan to the bank, should be kept at 0% per year. The moment you bring it down by even 5%, your roads begin to crumble and need to be replaced, which is an annoying added expense that's not at all necessary. Always leave Transportation at 100% - not even 95% - because that way you'll always have well maintained roads that never need repair. Go into your budget and crank down all of your yearly expenditures to 0% except Transportation. Once you put down your power plant, first industrial / residential zones, streets & power lines. Pause the game's speed and take a look at the map.
