1/2 c. warm water
1 c. + 2 tbsp. instant non fat dry milk
3/4 c. white sugar

Place water in a bowl, add the dry milk and mix well. Add sugar and mix until well blended and smooth. Setting the bowl in a pan of hot water helps dissolve the sugar. Cool and chill. This can be used in any recipe calling for sweetened condensed milk. Makes 1 cup and works beautifully.