Cheeseburger Soup

Ingredients

• 1 lb ground beef
• 1 1/2 cups water
• 2 cups cubed potatoes
• 2 small carrots, grated (optional)
• 1 small onion, chopped
• 3 -4 cloves garlic, chopped
• 1 jalapeno pepper, chopped (seed it if you don't want the heat)
• 1 tablespoon beef bouillon granules
• 2 cups milk
• 3 tablespoons flour
• 1/2 cup milk
• 8 ounces processed cheese (Velveeta or Cheese Whiz)