In a pan, brown ground beef over medium heat. Drain grease, then add taco seasoning. simmer for about 5 minutes with 3/4 cup of water. Turn off heat and cover.
In a pot, heat up refried beans over low heat.
For the Jack O Lantern faces, cut out triangles or circles for the nose and eyes. For the moutn trace the shape onto the cheese with a toothpick. Cut out with a knife.
Assemble beans, meat and lettuce on tortilla shell. Let the kids pick out the shapes to assemble their own jack o lantern tostadas. Enjoy!