Hearty Spinach And Mushroom Soup

• 475 ml skim milk
• 95 gr carrot (finely shredded)
• 60 gr onion (finely chopped)
• 110 ml nonfat cream cheese in (cut pieces)
• 60 gr fat swiss cheese (shredded reduced)
• 45 gr leaf spinach (frozen cut)
• 32 gr all purpose flour
• 9 gr margarine
• 1 gr nutmeg