Easy Creamed Ham on Toast

"Frugal recipes like this easy creamed ham on toast can be just so delicious that you will find your family scraping out the pan to get the last bit...."

INGREDIENTS
1/2 Cup Butter
1/2 Cup Flour
4 Cups Milk
9 Oz. Deli Ham (Diced (or other meat or fish diced) Can be more or less meat also.)
1 Tsp. Garlic Powder
1/2 Tsp Salt
1/2 Tsp Pepper
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