Submitted by: Lois from West Allis, WI
Melt butter in a non-stick skillet, add diced apples, and cook until soft and moisture is gone.
Cool apples to room temperature.
Combine apples, cheese, sugar, spice, salt and raisins, if using in a bowl.
Stir till mixed evenly.
Spread on toasted bagels and serve.
Cinnamon Raisin Bagels are a good choice. Great served with a cup of my Spiced Hot Chocolate.