1 box of ready-to-serve black beans |
1 box of ready-to-serve kidney beans |
1 large jar of salsa -medium spicy |
1 large bag of tortilla chips (nacho chips) |
1 carrot peeled and chopped into very small pieces |
1 bell pepper seeded and cut into small pieces |
1/2 onion peeled and chopped |
2 cloves of garlic peeled and chopped |
1 package (250g) of plain cream cheese |
1 package of shredded mozzarella cheese |
black pepper |
chili powder |
little olive oil |
**ground beef is optional and olive oil is not required if cooking meat first |