Cream cheese, carrot & fruit muffins

This was an ad hoc recipe at best, but the result was moist, sweet (sugar-free) muffins. Delicious with honey or cheese.

1 tub cream cheese
250ml natural yoghurt
1 teaspoon vanilla
1 teaspoon bicarb
2 bananas
2 apples
half a cup sunflower kernels
half a cup coconut
big tablespoon butter
sprinkle of cinnamon
sprinkle of nutmeg

Grate carrots and apple. Put all the ingredients in a blender and blend until smooth. Place in greased muffin tins. Bake at 200C until firm and golden. Leave to cool before removing from the tin. Serve with cheese or honey.