In a skillet, heat bacon grease and minced garlic until you can smell the garlic and it starts to turn golden. Add drained beans, stir. Sprinkle all seasonings over the beans, stir and cook on medium high heat for 10 minutes. You want the beans to start browning and to soften slightly. Stir frequently.

Add salsa and water or broth. Combine all ingredients well, and reduce heat to low. With a fork, mash the beans to desired consistency.

Cook and stir for an additional 5 minutes or until excess moisture is gone.

Remove from heat, top with shredded cheese. Let the cheese melt and serve.

For an extra touch, skip the last 5 minutes of cooking and top with cheese. Put in the over under a broiler until the cheese is golden and bubbly.