Your town looks amazing and I love the paths you put down

but I can give you some pointers to help improve the look and the rating:
-Plant more flowers in some of the open area's and along more of the paths. Some places look kinda bare, and more flowers means a higher overall town rating.
-Definitely plant more tree's. If you want the perfect town rating and Jacobs Ladder flowers, you have to have between 100 to 115 tree's in town(from what I heard on some blogs and guides online). Also planting tree's along path's is nice too.
-Remove the dead tree's, there were some I noticed. They hurt your town rating I think.
-Keep up on the Public Work Projects. They also help with the town rating.
I hope this helps out a bit

I don't know if you're going for a perfect town, if not, go at your own pace with things. Also if you need money to pay off anything, buy anything, or want golden tools, I'm willing to help you out there too.