1.Lay the tortilla out flat and spread the cream cheese evenly over the entire tortilla
2.Add ham slices over the bottom 2/3 of the tortilla
3.Spread the cucumber and carrots in the middle third end to end
4.Starting at the bottom, tightly roll the tortilla (but not so tightly that the ingredients fall out)
5.Cut into 8 'sushi-sized' pieces and insert toothpicks into each piece for serving