Meatloaf - Spend Smart Eat Smart

Ingredients

• 1 pound ground beef
• 1/2 onion, chopped (about 1/2 cup)
• 1 cup carrots, grated (about 2 carrots)
• 1/2 cup dry quick oats
• 1/4 cup nonfat milk
• 1 egg
• 1/2 teaspoon ground black pepper
• 1/4 teaspoon salt
• 1/2 cup ketchup, divided
• 2 tablespoons brown sugar or white sugar