Preheat your oven to 350°F (175°C). Lightly spray a 9x9-inch baking dish with cooking spray to prevent sticking.

In a skillet over medium heat, brown the ground beef until fully cooked. Drain any excess fat and return the beef to the skillet.

Add the chili seasoning, tomato sauce, chili beans, and diced tomatoes to the skillet. Stir well and let it simmer for about 5 minutes to blend the flavors. For added flavor, consider mixing in some chopped bell peppers or onions with the ground beef.

In a separate bowl, mix together the cottage cheese, sour cream, and cooked rice until well combined.

Spread the rice mixture evenly into the bottom of the prepared baking dish. Pour the chili mixture over the rice layer, spreading it out evenly.

Sprinkle the shredded cheddar cheese on top of the casserole.

Bake uncovered in the preheated oven for 20 to 25 minutes, or until the cheese is melted and bubbly. Keep an eye on the cheese to avoid over-browning.