Can you attempt a rescue operation by cutting off the mould or should the whole lot go in the bin?
The answer to some extent depends on how you balance your approach to a potential health risk versus your desire to avoid wasting food.
If the cheese is a hard cheese, it's probably safe just to cut the bad bit off, says Dr Ailsa Hocking, of CSIRO Agriculture and Food.
The bread though, is probably better off thrown away, she believes.
Assessing the risk
It's not just an awful taste you're risking if you eat mouldy food.