4 apples, or 3 bananas, peeled and diced
1 14 oz can condensed milk
1 cup milk
5 eggs, beaten
1 tbsp sugar
2 tbsp butter
4 white bread slices, diced
1 tbsp cinammon
1 cup chocolate chips
1/2 tsp vanilla
Makes Three Total Time: 60 minutes
Preheat oven to 375 degrees Fahrenheit. In a bowl mix together the condensed milk, milk, sugar and eggs.Then add in bread and let it absorb the mixture for about 15 minutes. Heat a pan over medium heat and add butter, cinnamon and apples. Cook and stir for about 6 minutes. Add chocolate chips and apples to milk mixture and stir, then pour into three bowls or ramekins. Set the three into a roasting pan and fill with water so it comes up about a third of the way on bowls. Bake setup in oven for 45 minutes, then serve immediately.
