You have a decent income compared to population, so it's really about affording more cards. One trick is to use Art Galleries to increase popularity and hence population, without seriously increasing social costs. It may seem a "waste" not to increase income, but if you can get into the top 300 that in itself is extra income :-) Then you can look around for good value income cards. lol. I think those are becoming rare.
RE: DCity Card Analysis: Factory, Zoo, Circus, Hotel & Ad Agency