Creating these Easy Cheesy Ground Beef Enchiladas involves straightforward steps:

1. Preheat the Oven: Preheat your oven to 350°F (175°C).
2. Cook the Beef: In a large skillet, brown the ground beef over medium heat. Drain excess fat.
3. Add Onion and Garlic: Stir in the diced onion and minced garlic. Cook until the onion is translucent.
4. Season the Mixture: Add the ground cumin, chili powder, salt, and pepper. Mix well to combine.
5. Add Beans (Optional): If using, stir in the black beans until heated through.
6. Fill the Tortillas: Place a generous amount of the beef mixture in the center of each tortilla. Top with a sprinkle of shredded cheddar and Monterey Jack cheese.
7. Roll Them Up: Carefully roll up each tortilla and place it seam-side down in a greased baking dish.
8. Top with Sauce: Pour enchilada sauce over the rolled tortillas, ensuring they are covered.
9. Add Remaining Cheese: Sprinkle remaining cheese on top of the sauce.
10. Bake: Place the dish in the preheated oven. Bake for 20-25 minutes, or until the cheese is bubbly and golden.
11. Garnish: Once baked, remove from the oven and garnish with chopped cilantro if desired.

Following these steps will yield delicious enchiladas that are sure to impress your family and friends!