Ann's Close to Wendy's Style Chili Recipe

1 (15 ounce) can dark red kidney beans

1 (15 ounce) can medium flavored chili beans

1 (10 ounce) can rotel mild diced tomatoes and green chilies

1 (15 ounce) can crushed tomatoes

1 (14 ounce) bag frozen vegetables , i use kroger mirepoix cajun style blend (frozen chopped onion, celery, green peppers, if you can't find this mix then use 4 oz chop onion, 5 )

2 cups water

teaspoon salt

1 teaspoon pepper

1 tablespoon garlic powder

1 teaspoon onion powder

teaspoon cumin

1 teaspoon chili powder

1 bay leaf

teaspoon sugar