1 lb. ground beef
3 c. water
1 c. rice
1 (15 oz.) can kidney beans
1 (8 oz.) can tomato sauce
1 med. onion, chopped
1 to 2 tbsp. chili powder
2 tsp. salt
Shredded Cheddar or Monterey Jack cheese (optional)

Brown ground beef in skillet, drain. Add remaining ingredients except cheese. Bring to a boil. Reduce heat, cover and simmer about 25 minutes or until rice is tender. Stir occasionally. Top with cheese just before serving if desired.