Hearty Golden Chowder

Ingredients

• 2 potatoes, chopped fine
• 2 cups carrots, diced fine
• 1/2 cup celery, diced
• 1/4 cup onion, chopped
• 1 tablespoon chopped chives
• 1 teaspoon salt
• 1/4 teaspoon pepper
• 2 cups boiling water
• 1/4 cup margarine
• 2 cups milk
• 1/4 cup flour
• 2 cups sharp Cheddar cheese, shredded