2tbsp cream cheese
1/2 small pink-lady apple (pealed/un-pealed & cubed)
In a small bowl, mix the cream cheese and cubed apples until the apples are well coated. Next, fold the honey into the mixture - try not to over mix, or you won't get those tasty pockets of honey bursting every now & then.
Smother on top of a freshly toasted bagel.
*Alternatively, replace the honey with caramel sauce. If you do, go on and smother it onto a cinnamon raisin bagel. Sure, it's a bit naughty…but you've got to spoil yourself sometimes.