3 refried black bean appetizer Recipes

fat free cream cheese or 8 oz neufchatel cheese or 8 oz cream cheese, fat-free refried beans or 16 oz refried beans, picante sauce, divided (i use pace s medium picante), nonfat sour cream or 8 oz sour cream, diced celery (1 stalk ), cucumber, chopped and drained, diced onions or 1 cup spring onion, whole tomatoes, finely diced and well-drained, shredded low-fat sharp cheddar cheese or 1/2-3/4 cup sharp cheddar cheese, sliced green olives or 1/4 cup black olives (optional)

hamburger, taco seasoning mix, refried beans, taco sauce, cheddar cheese, shredded, black olives, sliced