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Help! My beautiful money tree is not well!


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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Gardening in Central Norfolk on improved gritty moraine over chalk ... free-draining.
1. Pot looks a bit small for a plant of that size
2. There are some houseplant pests that can do this sort of damage. Have a very close look at it, especially undersides of leaves and where stalks join together. If you can see very fine “cobwebs” it could be a red spider mite infestation.