INGREDIENTS
2 cups
diced peeled potatoes
2 cups
water
1/2 cup
sliced carrot
1/4 cup
chopped onion
1/4 cup
butter, cubed
1/4 cup
flour
2 cups
milk (I use fat free milk)
1/4
to ½ tsp salt
1/4 tsp
pepper
2 cups
shredded cheddar cheese
1 1/2 cups
cubed fully cooked ham
1 cup
frozen peas, thawed ( I leave these out)