Brown the beef and add the taco seasoning and water, stir and simmer for about 5 min as if you were making tacos, the mixture will be wet looking but that is what you want
mix the beef with the cream cheese and 1/2 of the sour cream. spread on the bottem of 2 13x9 in disposable alumminum dish.
mix the rinsed and draind beans with the rest of the sour cream and spread over top of the beef mixture
top both with half each of the taco sauce and 1 bag of the chedar bake for 5 minutes or until the cheese is melted and just bubbling
top the warm and gooey dip with a thin layer of letuce and the tomatoes and the rest of the cheese!(TIP: mix a bit of taco or fajita saesoning into the beans and sour cream for added flavore, or top with a bit of chunky salsa!)