Begin by grating the carrot (you should end up with approximately 1/2 cup) and chopping the onion; set aside. Next whisk the eggs and milk until fluffy. 

Spray skillet with cooking spray; heat skillet over medium heat. Add carrots and onions; sauté for 2-3 minutes, stirring occasionally.  Add eggs to veggies; allow eggs to become firm and no longer runny. Remove from heat, toss in spinach and cheese, stir.  Fill tortilla with eggs and serve with bananas.