Apple Oatmeal Muffins

INGREDIENTS

• 1 1/4 cups whole wheat flour
• 1 1/4 cups oats
• 1 teaspoon baking powder
• 1/2 teaspoon baking soda
• 1/4 teaspoon salt
• 1/2 teaspoon cinnamon
• 1/4 teaspoon cardamom
• 1/8 teaspoon ginger
• 1 cup unsweetened applesauce
• 1/2 cup light coconut milk with the juice of half a lemon (or low fat buttermilk)
• 1/2 cup packed muscovado sugar (or brown sugar)
• 2 tablespoons melted coconut oil (or vegetable/canola oil)
• 1 large egg, lightly beaten
• 1/2 teaspoon vanilla extract
• 2 small Gala apples, chopped into small pieces
• turbinado (raw) sugar and nutmeg, for sprinkling on top