Preheat the oven to 350 degrees F and grease a standard muffin tin well.
Add all of the ingredients except the toppings to a big bowl. Stir well.
Add batter to the prepared muffin pan, using about ¼ cup in each cup.
Top with fruit or chocolate chips and bake for 30-34 minutes or until lightly golden brown around the edges and firm to the touch.
Let cool slightly and serve, or store and enjoy later.
