counterproductive

counterproductive ：achieving the opposite result of the one that you want 产生相反效果的，事与愿违的，适得其反的

例句：

Discipling children is well-meaning and necessary, but being too strict with them may be counterproductive.

Giving money to the disadvantaged group seems to be a panacea, but in truth it can be troublingly counterproductive.

panacea

Without carbon pricing, subsidies to renewables can be counterproductive.

1.翻译

在努力省钱的同时靠信贷生活会适得其反。

（参考翻译： Living on credit while trying to save money is counterproductive.）

2.造句

I am keen to better myself by reflecting if I've done something counterproductive at the end of every day.