Mathilde was born into a family of clerks and she has married a little clerk at the Ministry of Public Instructions. She felt tortured and unlucky.
Climax
One day, Loisel, his husband got an invitation from the palace of the Ministry on Monday evening, January 18th. However, Mathilda has not a proper dress and luxury jewelry.
Falling Action
His husband gave her four hundred francs to buy a pretty dress but laid aside to treat himself to buy a gun and shoot larks on the plain of Nanterre with friends. She also lent a dazzling necklace with a black satin box from Mme.Forestier.
Resolution
On the day ball arrived, Mathilde was prettier than them all and caught a lot of attention, also remarked by the minister himself. They took a cab and went home, but all of sudden the necklace was gone.
They looked for the necklace everywhere but haven’t found it, and they try to buy the same necklace. They finally found the Palais Royal and it cost thirty-four thousand francs, so they worked so hard and don't have time to rest. 
Finally, she apologized for the delay in returning the necklace. After a few years later, Mathilde was told by Jeane that the necklace she had borrowed was an imitation