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Preheat oven to 400°F.
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Coat a 12-muffin tin with nonstick cooking spray.
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Whisk the flour with the baking powder and salt and set aside.
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Beat the egg, sugar and margarine with an electric mixer set on medium until smooth.
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Add the milk and vanilla and beat again.
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Mix the flour and chocolate chips into the batter by hand just until combined.
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Spoon the batter into the muffin cups so that each is about two-thirds full.
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Top each muffin cup with cinnamon/sugar mixture, if desired.
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Bake for about 15 minutes or until the muffins are lightly browned, puff up and a toothpick inserted in the center comes out clean.
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Cool in the tin set on a wire rack for about 10 minutes.
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Remove the muffins from the tin and eat them warm or let them cool completely on a wire rack.