Mr. Loisel gets two invitations to the Ministry of Education's party. Mathilde is upset because she has nothing to wear. She feels that she must look "high class" in the party. Her husband gives her the money he was saving to buy himself a rifle, so she can buy herself a dress. She then becomes upset for she has no jewelry to wear. Since they have no money left, her husband suggests that she borrows something from her friend, Madame Jeanne Forestier. Then Mathilde borrows a diamond necklace from her.
She goes to the party with feeling special. When she gets home from the party, however, she finds that the necklace is no longer on her neck. She and her husband search desperately for it, but cannot find it. She becomes terrified, and quickly writes Madame Forestier that the necklace has broken, buying her more time to find or replace the necklace. She and her husband search through many jewelers, looking for a similar necklace, and finally they find one but it is sold for a huge amount of money. They purchase it, promise to pay off the debt. It takes them years, but after working ceaselessly, they pay off all the debt. The Loisels began to live a life of crippling poverty. They move into a smaller apartment, because of the price of the necklace. This misery lasts ten years, but at the end they have repaid their financial debts.
By that time, Mathilde has completely lost her beauty. She looks just like the other women of poor households. One day, Mathilde sees Madame Forestier walking down the street and she decides to approach her. Mathilde tells that the change of her