Apple Walnut Muffins with a Cinnamon Cream Cheese Spread

1 c. buttermilk
1/2 c. walnuts or raisins
1 c. Uncle Sam Cereal or oats
1 egg
1/3 c. honey
1 c. whole wheat flour
11/2 tsp. baking powder
1 1/2 tsp. cinnamon
1/2 tsp. salt
1 apple peeled and chopped

Mix together all the wet ingredients. Add dry. Fold in apple and walnuts. I also sprinkled a few walnuts on the top of my muffins.
Bake at 370 for 17-20min.

Cinnamon Cream Cheese Spread
4 oz. cream cheese, softened
11/2- 2 T. Butter, softened
1/2 tsp. cinnamon
3 T.finely chopped walnuts

Mix together till creamy. Spread on muffins!