1/3 cup oatmeal (instant or rolled)
2 rounded tbsp nonfat milk powder
1 cup water (more or less)
1 sliced banana or other fruit or 3 tbsp raisons
1/2 tsp cinnamon
dash of grated nutmeg
2 rounded tbsp Grape Nuts-type cereal (or substitute homemade granola or broken crackers)

Mix oatmeal with milk powder, cinnamon and nutmeg. Add air temp water and soak for five minutes (soak longer if you use rolled oats or add heated water on a cold morning). Add fruit or raisins. Immediately before serving add Grape Nuts cereal or its substitute to improve texture.