Heat oil in skillet over medium heat. Add onions and carrots and cook 5 minutes, or until onions are translucent. Stir in garlic and spinach and cook 2-3 minutes or until spinach wilts.
Combine yogurt, mayonnaise, cheese and salt in medium bowl.
Add yogurt mixture to pan and stir to combine. Heat 2-3 minutes, or until warmed.
Serve hot or cold with pita chips, crusty bread or veggies for dipping.