2 lb ground beef

2 16 oz cans kidney beans -- rinsed and drained

2 14.5 oz cans diced tomatoes -- undrained

1 8 oz can tomato sauce

2 med onions -- chopped

1 green pepper -- chopped

2 cloves garlic -- minced

2 tbsp chili powder

2 tsp salt -- optional

1 tsp pepper

shredded cheddar cheese -- optional

In a skillet, brown beef; drain. Transfer to a slow cooker. Add the next nine ingredients. Cover and cook on low for 8-10 hours or on high for 4 hours. Garnish individual serving with cheese if desired.