4 chunky smooth fat free Recipes

fat free corn tortillas (soft taco size, about 8-inch in diameter), black beans, drained and rinsed, salsa (mild or hot, smooth or chunky, you choose), low-fat monterey jack cheese or 8 oz low-fat monterey jack pepper cheese, diced chilies (optional), sliced onion (optional), black olives (optional)

sweetened condensed milk (not evaporated milk, i use fat-free with good results), peanut butter (i use smooth , but chunky is fine if you prefer), chopped peanuts (optional), vanilla extract, ground cinnamon (optional)

apples, peeled, cored and chopped (leave coarsely chopped for chunky applesauce), unsweetened apple juice or 3/4 cup water, white sugar (or use white and brown ), cinnamon, fresh grated nutmeg, lemon juice