She was a charming but poor girl born in a family of clerks unlike other charming girls that are born in rich families.
She gets an invitation to the palace of the ministry from her husband but she thinks she has nothing that looks fancy enough for her to wear. She doesn’t want to go because of that but her husband convinces her to go.
She goes out to buy a new dress with all of her husbands money but still doesn’t feel ready for the palace so she borrows her her friends necklace.
She loses the necklace she was borrowing from her friend and cant find it.
She refuses to tell her friend that she lost it so she gives her friend a box that has a replica necklace in it.
She and her husband works for 10 years to pay off the necklace to learn that it didn’t cost that much for the necklace.