Simmer potatoes and carrots in 1 cup water until tender.
Drain and set aside.
In a large saucepan, melt butter.
Stir in flour until smooth, slowly add milk and stir until smooth.
Heat, stirring constantly, until mixture comes to a boil and thickens.
Add potatoes, carrots, ham, sour cream, onions, salt and pepper to taste.
Heat thru, stir in cheese, and serve.
-Great for leftover ham bits, and even better with left over baked potatoes too!
-Cream soups and sauces are always easier to cook without burning in a heavy bottom saucepan.
-If you think the kids won’t eat them, the green onions make a great garnish on the grown-up’s soup!