3 creamy and cheesy and bean Recipes

ground beef, garlic cloves, minced, taco seasoning (or homemade ), refried beans (again , homemade is great if you have the time), cream of mushroom soup, salsa , of your choice plus 1/2-3/4 cup additional, shredded cheese (i use cheddar and a colby jack blend, then throw some crumbled queso fresco on top for good measure), sliced jalapeno (optional), sliced black olives (optional)

refried beans, picante sauce or 1 cup salsa, shredded monterey jack cheese, shredded cheddar cheese, sour cream, cream cheese, softened, chili powder, ground cumin, garlic powder, worcestershire sauce, hot sauce (optional), salt, fresh cracked black pepper