I's attack this as part query (to create the indicator variables of a bill being paid) and a procedure to summarize. You may be able to combine in TABULATE or REPORT.
First the Query. Recode each of the bill variables to be 0, 1 (>0) , or NULL.
Then you can use MEANS or SUMMARY with the SUM output (Descriptive Statistics task) or FREQ (tables task) to get the counts. If you are looking for summary data to use downstream, MEANS would be cleanest in EGuide.