Cheddar Chowder by Tanille

2 cups water (boiling)
2 cups chopped potatoes
2 cups chopped carrots
½ cup chopped celery
¼ cup chopped onion
1 ½ tsp. salt
¼ tsp. pepper
2 cups grated cheddar cheese
1 cup ham or bacon

WHITE SAUCE
¼ cup Margarine
¼ cup flour
2 cups milk (put melted butter, flour and milk in glass jar and shake)

Combine water, vegetables, and seasonings. Cover and simmer till tender. DO NOT DRAIN! Make white sauce. Add white sauce to vegetables. Thicken. Then add cheese and ham/bacon. Heat through. Do not boil.