1. **Prep the Tortilla:**

   - Lay the whole wheat tortilla flat on a clean surface.

   - Spread the cream cheese evenly over the tortilla, leaving about a half-inch border around the edges.

   - If using mustard, spread it thinly over the cream cheese.

2. **Layer the Ingredients:**

   - Place the turkey slices in the center of the tortilla.

   - Lay the ham slices on top of the turkey.

   - Add the slice of cheddar cheese.

   - Evenly distribute the spinach leaves, red bell pepper slices, cucumber sticks, and shredded carrot over the meat and cheese.

3. **Add a Touch of Sweetness (Optional):**

   - Drizzle a small amount of honey over the vegetables for a touch of sweetness.

4. **Season:**

   - Sprinkle a pinch of salt and pepper over the filling.

5. **Wrap It Up:**

   - Fold the sides of the tortilla inward, then roll it up tightly from the bottom to the top.

   - Ensure that the wrap is tightly secured to prevent the filling from falling out.

6. **Slice and Pack:**

   - Cut the wrap in half diagonally.

   - Wrap each half in parchment paper or place it in a lunch container.

**Serving Suggestions:**

- Pair with apple slices or a handful of grapes for a complete meal.

- Add a side of hummus with carrot sticks or your favorite chips for an extra crunch.

This wrap is not only easy to make but also packed with protein and veggies, making it a balanced and tasty option for a back-to-school lunch!