2 lbs. hamburger
1 onion, chopped
1 to 2 cans mushrooms
2 to 3 c. potatoes, cubed
2 to 3 c. carrots, cubed

Brown hamburger with onions. Mix 1 can Cheddar cheese soup, 1 cup milk and 1 can tomato soup. Pour over layered meat and vegetables. Bake at 350 degrees until potatoes are almost done. Top with Mozzarella cheese and pepperoni, and bake until potatoes are done.