Ham, Potato, Cheese Soup

2 cups water
2 cups potatoes, diced
1/2 cup carrots, diced
1/2 cup celery, diced
1/4 cup onion, diced
1 1/2 teaspoon salt
1 1/4 teaspoon pepper
1/4 cup butter
1/4 cup flour
2 cups milk
2 cups cheddar cheese, shredded
1 cup ham, cubed

Bring water to a boil, add potatoes, carrots, celery, onion, salt and pepper. Cover and simmer about 10 minutes, do not drain. Make white sauce with butter, flour and milk. Add to vegetable mixture. Add cheese and ham. You may put this in a crock pot to keep warm and serve when you are ready. Options: instead of ham you may use crispy bacon, frankfurters, sausage, or any other meat.