Chop fruit into small chunks. Can use various fruits and combinations, but banana and apples form the base. Can add strawberries, pears, nectarines, kiwis etc.

Pour milk into a breakfast bowl and add the almonds.

Microwave the milk and almonds until milk is steaming hot.

Carefully add all the chopped fruit to the bowl.

Add a handful of raisins.

Sprinkle seeds if available - chia, linseed, sunflower, pumpkin, dried cranberries/apricots etc.

Eat!