I'm guessing the milk, chocolate and banana are going to throw you out of ketosis. Just too many carbs, not necessarily bad ones, just too many. In the case of munchies, try for nuts and berries... Better yet, try to just walk the cravings off. Also, you may need to spread out your calories better throughout the day. Calories, especially for women, do matter so figure out how many calories you need to maintain and then lose. I'm sure someone will mention a website with a calculator to figure it out. I can't think of it.