Potato Soup

10 Bacon strips cup up
1 lg onion
1 cup diced carrots
3 cups milk
1 1/2 cups water
2 1/2 cups cubed potatoes
1 can 15 oz corn drained
2 tsp chicken bullion granules
3 tbs flour
Pepper to taste
3 cups shredded cheddar cheese
2 cups cubed cooked ham

In large pan cook bacon, drain. In drippings saute onions and carrots until tender, stir in flour until blended. Gradually add milk and water. Bring to boil. Cook 2 min. until thickened. Add potatoes, corn, bullion, pepper. Reduce heat. Simmer uncovered 20 minutes or until potatoes are tender. Add cheese, ham and bacon. Or you can put in a crock pot on low until dinner, then add your cheese, ham and bacon right before you serve it.