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Step 1
Pick through dry beans for any rocks or debris. Cover beans with 2 inches of water in a stock pot. Add a quarter onion (save remaining for other use), dried chili and crushed garlic.
Step 2
Bring to a boil, reduce heat to simmer, cover and cook until beans are tender, about 1 1/2 to 2 hours.
Step 3
Remove and discard the onion, chili and garlic. You should have about 5 cups of cooked beans.
Step 4
In a large skillet over high heat melt the lard.
Step 5
Drain beans, reserving about a cup of the bean water. Add the beans to the skillet. Fry for several minutes, stirring.
Step 6
Mash with the back of a spoon or potato masher. Add enough bean broth and continue mashing until your desired consistency. I like mine a little chunky and never purée in a food process. If you do, then by all means do it.
Step 7
Season with some salt and black pepper if needed. Serve with crumbled Cotija or Queso Fresco cheese on top.