Beneficial fungus is good for the soil as it helps to break down and transport nutrients to the plant. However if it is growing on top it might be a little damp. Are you letting the soil dry out thoroughly before watering? Pics?
I hav no pics atm I am on tablet cant upload and ye I think iam watering too much I heard the top should always be damp... so I just scrape it off add new soil then water like evry other day as appose to daily yes?