In paris france in 1800s Madame loisel was in need for a better social life. She feels poor and as if she has no social life.
One day when her husband come home from work as a clerk he brings home a invitation to a party, he gives it to his wife. She opens it in excitement, then tosses it on the table.
Monsieur Loisel is confused on why she is not thrilled like he had hoped she would be, he asks why she is not thrilled and Mme. Losiel said "What do you think i have to go in". Mme. Loisel asks for 400 francs to get a dress, she then realizes she has no gem/jewel, she goes to ask her friend for a jewel and she finds a necklace she likes and borrows that.
Madame loses the necklace that her friend Madame Forestier loans her.
After looking everywhere to find it with no luck her and her husband decided to just buy a new necklace for 36,000 francs using his fathers inheritance and asking friends to load them money they would repay. After 10 long years of living in someones attic and constantly working they were finally able to repay everything.
Madame Loisel is out side finally enjoying the fact that after 10 long years they are finally out of debt, while outside she sees mde.Forestier and walks up to her. Mde. Loisel starts to blame the 10 years of povitry all on her friend, while being confused she tells her friend that the necklace was really only worth $500.