Help! My beautiful money tree is sick!

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Hello all! I have a beautiful money tree (which wasn't cheap!) that I bought in the summer. Recently it had been losing leaves and they are going yellow. I repotted it not long after I got it as it was planted squint and falling over. I used houseplant soil (photo attached) and mixed in horticultural grit. I water it once a month as per the instructions that came with it until the water flows out the bottom then I left it drain. It sits on a small dish so it has water under it that it isn't touching for humidity.

Recently it's started going yellow, brown, and losing leaves. I'm worried I've overwatered it as the soil is still damp after a couple of weeks. It's also winter here (Scotland) so it's dropped in temperature and there is not many sunlight hours. Should I repot it in a smaller pot? Should I report it to get it out the damp soil? Also some of the leave are crinkled round the edges! And one or two have a black spot!

I love this plant. Please help me rescue it! Thanks so much for any advice anyone can offer.
 

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If the soil isnt drying out I would re pot with new soil and check for any mushy roots and remove them. Mist only , Then some water after a week or 2. I've had to do this with my rubber plant recently due to planting him in a too large pot and the soil wasnt drying out, I think it's just got passed the last of its yellowing leaves. Fingers crossed.
 
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Thank you guys. I’ve not watered it since last posting and I suspect the soil may be the problem. It is still developing and then losing yellow leaves. I’m going to repot it and check the roots
 
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Thank you guys. I eventually bit the bullet and re-potted. I wanted to check the roots in case there was rot I could try and stop in it’s tracks. The soil was too moist but luckily the roots looked healthy. I used a more appropriate soil and smaller pot. It looked like it had stopped its decline but it’s started again. One branch is a shrivelled stick, one has lost all its leave and stalks and it now looking very ill and another has started with yellow leaves so I think it’s going the same way
 

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Hello all! I have a beautiful money tree (which wasn't cheap!) that I bought in the summer. Recently it had been losing leaves and they are going yellow. I repotted it not long after I got it as it was planted squint and falling over. I used houseplant soil (photo attached) and mixed in horticultural grit. I water it once a month as per the instructions that came with it until the water flows out the bottom then I left it drain. It sits on a small dish so it has water under it that it isn't touching for humidity.

Recently it's started going yellow, brown, and losing leaves. I'm worried I've overwatered it as the soil is still damp after a couple of weeks. It's also winter here (Scotland) so it's dropped in temperature and there is not many sunlight hours. Should I repot it in a smaller pot? Should I report it to get it out the damp soil? Also some of the leave are crinkled round the edges! And one or two have a black spot!

I love this plant. Please help me rescue it! Thanks so much for any advice anyone can offer.
My friend has a money tree plant in WA state that she keeps indoors. It is thriving indoors. Maybe it gets too cold outside?
 

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