1 block of cream cheese
1 can of refried beans (your choice)
3/4 of a jar of Salsa
Soften cream cheese
Spread cream cheese into the bottom of a microwave or oven safe dish (spread evenly)
Add refried beans (spread evenly)
Add mozzarella cheese
Cook in microwave for five minutes or until the cheese is just melted.
Oven: 350 degrees until the center is warm and the cheese is melted.