The Loisel are middle class couple, Mme Loisel is unhappy.
Climax
without necklace
Mme Loisel wishes to be rich
Falling Action
The Loisel were invited to a ministry ball, but Mme Loisel needed a dress and jewelry and her husband give her 400 francs to buy a dress and borrowed jewelry, and ask her rich friend if she can borrow the diamond necklace.
Resolution
The Loisels go to the ministry ball, but at the end Mme Loisel lost the necklace.
The Loisel family had to borrow 36,000 franc, and then they became poor.
After 10 years of hard work the Loisel family finish paying their debt, after the hard work for 10 years they found out that the necklace was fake and was only about 500 francs.