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Like many of you I received a bonsai gift, an indoor fiscus. I'm new to this and have a few questions please.1. I live in the Pacific Northwest with outside temperatures in the 30's ... so when should I repot? 2. I keep the inside temperature between 60

Inside temp of 60?????? That is hotter than in a desert?

So you receive a ficus and the first thing you want to do is repot. Why?
The title of your post says mold??

Pacific north west is in USA where Fahrenheit is used. Lucr knows that.

This is an international forum. It can be beneficial to state which unit is used if not international standard.

Why do you want to repot? Any specific reason?

Please think bonsai as a marathon not a sprint. It takes long time to develop a bonsai and very few things besides watering is urgent. Your first goal is to learn how to make the tree survive. That is supricingly hard for most beginners.

Thx so much for the rEminder bout marathon
The post was from my partner who gifted the tree to me and I was just hoping I could nOT kill theIs beauty full three year old ficus....I know not to pot til spring yet cannot maintain a warm 70 degrrev F temp so leaves are dropping and a bit of moldy soil is forming on top...

Any ideas are appreciated AND your gentleness u
Is greatly appreciated, tropfrog!

Moldy soil is usually a sign of owerwatering a too organic soil. But sometimes it is not mold, but calcium buildups. Please post a picture of the tree and soil?

Mmmmm. Too late?! I kinda moved it around in the soil so no longer visible?! The soil is so ...mmmm....”tight” that I cannot dip a finger in to see if water is needed...AND I’m watering again...better stop eh? Thx much...

TF ... just thinking about your words regarding the "mold!" Whadaya think about my putting some of the soil that came with the fiscus on the top of the soil ... it would cover the blue pellets that I think are fertilizer. I know this is not your job so do not feel obligated ... yet I am thinking you already for any information you might share. See photo.

That is a lot of fertilizer for winter.

Yes, you can add soil on the top. But, in bonsai visible surface roots is desirable.

I would suggest treat this plant as a normal house plant. When you have a few years experience with keeping it alive you can start to think bonsai.

That soil looks really wet ( hence the mold), and your ficus is in urgent need of a repot. But as Trop said, keep it alive first, just treat it as a normal houseplant ( which it is at the moment)