This is how I made it:
I boiled about a 1/2 cup of Black Beans with a little salt until they were very tender. 
After they were cooked thoroughly I drained them saving some of the juice to use as I mashed them up to keep them moist. Mash the beans thoroughly until they resemble refried beans. 
The rest of this recipe can be left up to you but, I will tell you what I used in mine. 
I mashed up a 1/4 of an avocado 
1 tsp. salsa 
1 Tbs. Fat Free or Light Sour Cream
1 tsp. 2% shredded cheddar cheese
I put about 1 Tbs. Black beans in the bottom of a small bowl then I mixed the mashed avocado with the salsa and placed that on top of the beans, next I put the sour cream and topped it off with the shredded cheese. 
There are many different things that you can add to this but I just used what I had on hand. 
 
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