Because you mention this problem is associated with many different indoor plants except cactus, i would diagnose the problem as salt. Daily evaporation of tap water used in frequent watering of plants in pots leads to accumulation of salts that cause such leaf symptoms on nearly all foliage plants. The solutions are two: 1) frequently leach out the salts by placing the plant under running water for an hour. 2) use distilled wster on your plants. Also, If your pots are clay, replace them. A demonstration of the damaging effects of accumulating salts is to take your houseplants outside in the shade in early spring and leach them thoroughly under a hose. The demonstartion is that you usually see a dramatic growth spurt in the following month indoors.