1/4 c. butter
1/4 c. flour
2 c. milk
1/4 c. grated Cheddar cheese to taste
1/4 tsp. pepper
2 c. diced or sliced potatoes
1/2 c. sliced carrots
1/2 c. sliced celery
1/4 c. diced onion
1 tsp. salt
2 c. water

Make a white sauce from the butter, flour, milk and grated cheese. Cook the remaining ingredients 10 minutes or until done. Add the white sauce and heat together.