cheddar potato soup with ham

Ingredients For cheddar potato soup with ham

• 2 c

  potatoes, peeled and diced
• 2 c

  water or chicken stock
• 1/2 c

  carrots, diced
• 1/4 c

  chopped onion
• 1/4 c

  butter, cubed
• 1/4 c

  all-purpose flour
• 2 c

  milk (i used a combination of 1% milk and half & half)
• 1/4-1/2 tsp

  salt
• 1/4 tsp

  pepper
• 2 c

  shredded cheddar cheese
• 1-1 1/2 c

  fully cooked ham, cubed
• 1 c

  frozen veggies, such as peas, corn, broccoli (optional)