2 cans refried beans with sausage
1 (8 oz.) pkg. Philadelphia Cream cheese, softened
1 sm. jar mild chunky salsa
1 sm. jar hot chunky salsa
2 c. Cheddar cheese, grated

Layer in order of ingredients, browned ground beef may be added as first layer.

Bake at 325 degrees for 20 to 25 minutes. I use a jar of mild and a jar of medium chunky salsa.