在努力省钱的同时靠信贷生活会适得其反。
By living on credit while trying to save money may be counterproductive.
如今好多家长把孩子放在第一位对孩子付出太多，但这可能不会产生理想的效果，往往会适得其反。
Nowadays putting the children first and do too much for their children seems to be a panacea, but in truth it can be troublingly counterproductive.
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