在努力省钱的同时靠信贷生活会适得其反。
Trying to save money but meanwhile relying on credit living tends to be counterproductive.
例子：Keeping work-family balance seems to be reasonable, but in truth it can be troublingly counterproductive if a couple can't cooperative with each other.
场景：在夫妻双方合作下能够达到工作家庭平衡，否则会适得其反。
