Ham and Cheese Soup

4 cups diced pealed potatoes

1 cup finely chopped celery

1 cup finely chopped onions

2 cups diced ham

1 ½ cups grated carrots

6 chicken bouillon cubes

4 cups water

Cook until vegetables are tender. Add 1 ½ cups milk, ½ stick butter, ½ cup flour blended with water, 3 cups grated cheese or ½ pound Velveeta, black pepper. Simmer till cheese melts.