Preheat oven to 350 degrees F.
In a medium bowl, whisk together flours, baking soda, cinnamon, nutmeg, and salt.
In a large bowl, use an electric mixer to cream together butter, oil, and honey.
Add egg, applesauce, mashed banana, and vanilla and beat for an additional 30 seconds.
Slowly add flour mixture to wet ingredients and blend until just combined.
Add Honey Nut Cheerios, raisins, and almonds and mix on low speed until incorporated.
Line a large cookie sheet with parchment paper or a silpat. Use a ¼ cup measure to scoop out dough and drop on cookie sheet.
Bake cookies for 10-12 minutes, until they smell good but are still slightly soft. Allow the cookies to cool on the baking sheet for a few minutes and then transfer them to wire racks.