In a medium-sized bowl, use your handheld mixer to beat together the cream cheese, sugar, milk, vanilla and egg. Beat the mixture until smooth and no large lumps remain. Set aside.

Preheat oven to 350 degrees and grease two loaf pans. In a large bowl, combine your pumpkin, applesauce & eggs. Whisk in vegetable oil, milk and vanilla. Slowly add in sugar.

In a separate bowl, whisk together flour, baking soda, salt, and spies. Slowly fold the dry ingredients into the wet ingredients using a rubber spatula. Stir in chocolate chips.

Scoop a small amount of batter into each pan - just enough to cover the bottom. Add about 1/4 of the cream cheese mixture to each pan by creating a flat line up the middle of the batter.

Use a knife to swirl the cream cheese mixture in. Scoop the rest of the batter on top of the cream cheese filling, diving it up evenly between each pan.

Add the remaining cream cheese filling to the top of each pan using the knife to flatten it out and swirl it on the top of the loaves. Sprinkle extra mini chocolate chips for decoration!

Insert the loaves into your pre-heated oven and bake for 60-80 minutes. The top should be golden brown and a toothpick inserted into the center should come out clean.

Remove the loaves from the oven and let them cool completely. Use a knife to loosen the loaves in the pan. Remove and serve!