- Combine the refried beans and water in a medium saucepan over medium heat. 
- Stir frequently until the beans are warmed and thinned to your desired consistency. 
- Add the enchilada sauce to the beans, stirring well to integrate fully. 
- Bring this mix to a low simmer. 
- Gradually sprinkle the shredded cheddar cheese into the saucepan, stirring constantly. 
- Allow the cheese to melt completely and blend with the bean mixture. 
- Optional: Mix in the Greek yogurt for a creamier texture. 
- Continue to simmer gently for about 2-3 minutes, stirring to ensure even heating. 
- Serve hot with a sprinkle of extra cheese on top if desired. 
- Enjoy your homemade creation!