01 - Preheat oven to 350°F. Line a standard muffin tin with paper liners or lightly grease all cups.
02 - In a large mixing bowl, whisk together pumpkin puree, mashed banana, eggs, oil, milk, and vanilla extract until mixture is smooth.
03 - In a separate bowl, thoroughly combine flour, granulated sugar, brown sugar, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger.
04 - Gradually add dry mixture into wet mixture and stir by hand just until ingredients are combined; avoid overmixing.
05 - Gently fold in chopped nuts or chocolate chips, if desired.
06 - Spoon batter evenly into prepared muffin cups, filling each about three-quarters full.
07 - Bake for 20 to 22 minutes, or until a toothpick inserted in the center emerges clean.
08 - Allow muffins to cool in the pan for 5 minutes, then carefully transfer to a wire rack to cool completely before serving.