Chocolate Breakfast Muffins or Tea Loaf

This versatile recipe, an old family favourite from my mother-in-law, can be baked shaped either as muffins or as a loaf. No cricket tea is complete without the latter. This version has less sugar than the traditional one and little or no fat. The chocolate is my addition. You do need to think ahead, as it needs a sleep over! Other than that it is very quick to make and extremely simple. Serve the loaf cold, thinly sliced and buttered, with afternoon tea or for breakfast. Alternatively, use