1. In a large skillet over medium heat, cook the ground beef until browned and crumbled, then drain any excess fat.
2. Add the diced onion and green bell pepper to the skillet with the beef, and sauté until the vegetables are tender. Stir in the minced garlic and cook for an additional minute until fragrant.
3. Lower the heat, and mix in ketchup, brown sugar, Worcestershire sauce, apple cider vinegar, mustard powder, and chili powder if using. Season with salt and pepper to taste, and let the mixture simmer for about 5 to 10 minutes to allow the flavors to meld.
4. Preheat your oven to 350 degrees F (175 degrees Celsius).
5. Stir in the shredded cheddar cheese and cream cheese into the meat mixture until well combined and the cheeses are melted.
6. Transfer the mixture to a baking dish and bake in the oven for 15-20 minutes, or until the dip is bubbling and heated through.
7. Remove from the oven and let it cool slightly. Garnish with sliced green onions or chopped parsley if desired.
8. Serve warm with your selection of dippable sides and enjoy the comforting flavors of this twist on a classic!
