Heat oven to 350 degrees and butter your baking dish (or use non-stick spray).
In a small saucepan over low heat, warm milk, butter, vanilla, sugar and salt. As it warms, add the cinnamon & cloves. Continue cooking just until butter melts; cool.
While it cools,layer the torn up pieces of bread with the other ingredients (nuts, raisins, cheese, etc.).
Add eggs to cooled milk mixture and whisk till smooth. Be sure the milk is cooled so that the eggs don’t cook.
Slowly ladle the milk mixture over the bread pieces, making sure all the bread gets some.
Let this stand for about 30 minutes to let the bread soak up the milk.
Bake for 30 to 45 minutes, or until the custard is set but still a little wobbly and edges of bread have browned.
Serve warm or at room temperature.