1/4 c. milk
1 (8 oz.) pkg. light Philadelphia neufchatel cheese, softened
1 c. (4 oz.) 100% natural shredded mild Cheddar cheese
1/4 c. finely chopped apple
1/4 c. finely chopped walnuts
1 tbsp. sugar
1/4 tsp. cinnamon

Gradually add milk to neufchatel cheese, mixing until well blended. Add remaining ingredients, mixing at medium speed on electric mixer until well blended. Chill. Serve with crackers.