I have no idea what im doing wrong. I've lost count of how many times I've restarted this scenario
http://cloud.steampowered.com/ugc/577790562744449529/3476D1976AD6D2BC1F327B96842E37D1C5D272CD/
All I can say is that I hope you keep restarting the scenario and trying different things. I took a look at your screenshot.
I'm always worried that I will give away too much advice. Like, if I tell people exactly where to place every thing, then people will get mad that I've taken the fun out of it. But, it looks like you're stuck, you've asked for help, and you've dilligently restarted while trying different things. So I'll see if I can give you some help... and I appologize ahead of time if its not the kind of help you're looking for.
First I'll mention that I'm at work, not home so I don't have it in front of me. But I've got SpeedKing's map from here in front of me:
http://forum.paradoxplaza.com/forum/showthread.php?524307-Resources-High-Resolution-Overview-Maps
The larger version is here:
http://www4.picturepush.com/photo/a/5176227/img/Anonymous/amsterdamm.jpg
If I recall, they give you 24K to start out with Amsterdam on Medium mode. I think this gives you enough money to build an above-ground metro to three points. If not, then you'll have to start with two and add to it.
Hit the pause button and build your first metro before hitting "play".
Build a metro stop from the Train Station in the North (just south of the river). These are above-ground metros - cheaper. Any East-West metros are better built underground I think. But those are more expensive and its easier to add those later. Build a metro stop in the center of town there in the plaza. Build a metro station to the South. I put mind in between the two factories that are just South of the Southern most canal. Its just a little two block area. This North-South metro will be the core of the infrastructure.. the backbone or fishbone. It'll make money on its own if you have ticket prices, happiness, and other things all sorted out.
Now feed it with trams. I didn't use buses. Run a tram from the airport in the Southwest to the village just east of there. Run another tram from that same village to the South end of your metro. You could make that one tram line with three stops, but I like to break them up. Now find some other things to feed your metro with. See that supermarket in the SouthEast corner? I think its a "hypermarket" I don't think its there in the begining of the scenario... if it is, try running a tram to the South metro station. Remember when you're running these tram tracks not to run them on the roads. Run them through the trees. Take that village in the SouthEast and run a tram line to the South metro station. Ok, up North above the river. Run a little bus line that covers those buildings up there and has a stop at the shore. Run a water taxi from the shore that connects the bus station to the Train Station right there along the river. It is optimal if the Metro station you placed up there is within range of the water taxi dock.
With time you can build some "wings" to the left and right with your metro. Mabye this time you make them underground metros. Make one start at the city center plaza in proximity to your first line. Have it go West until you reach the South part of the marina area. Just a short two-stop line. Now feed it with tram lines from the rail station in the Northwest corner and that cluster of houses up there. Make a "wing" from that same city center plaza to the East. maybe make it end where you see the tennis courts. Now feed it with trams.
So you would have a metro running north/south with three stops (two end points and one middle). Then you have two "wings" that go east and west to converge in the plaza in the middle. This is a "hub and spoke" metro with three lines. By the time these metro lines are ramped up... and fed with trams... you will be raking in the money. This of course assumes you have successfully balanced ticket prices, wages, repairs, etc.
I think you can do it without taking loans. You may only be able to do two metro stops at the start. I'd pick the train station in the north and the factorys in the South... that way you have connection points for feeding from trams and water taxi.
I looked at your long bus routes in your screenshot. Long routes with many stops. I'm not sure how profitable they would be. Remember, you don't have to cover the whole city right away. Selectively choose where you want to place lines... profitable ones.
Of course there are a million other ways to do it, and variations on mine... but it is one possible way to start out. I wish you luck and fun.
EDIT: I just glanced at your screenshot again. You're paying over $2,380 a month in loans. That is almost equivalent to the amount of loss you have each month. If you did not have those loans, you would almost be a balanced company. I think you can do this if you build it without taking loans (which means you may have to do it a little slower). And try the above-ground metros in the beginning - much cheaper to build. Underground track is very, very expensive.