Brown the ground beef, onion, and garlic. Drain off any accumulated grease. Add the cumin and cook another minute or so, then add the tomato sauce and water and simmer 5-10 minutes. If it gets too try, add a bit more sauce or water. Stir in the refried beans.

In a small bowl, mix together the sour cream or yogurt and the "cream of" soup. You can always make your own "cream of whatever" soup to use instead. Spread a bit of this on the bottom of a 9x13 baking pan. Reserve the rest for topping the burritos.

Heating the tortillas in the microwave in a tortilla warmer or between paper towels makes them a bit easier to roll up.

Spread a bit of the bean and meat mixture down the middle, top with some grated cheese, and roll up and fold burrito-style, placing the burrito seam-side down in the baking dish. Repeat until all the filling is used up. Spread the sauce over the top of the burritos and sprinkle some cheese on top.

Wrap and freeze for later or bake at 350 for 20-30 minutes.

Serve with salsa, more sour cream, guacamole, sliced olives, or whatever else sounds good for topping.