She was a poor woman married to a minor clerk. So,she is poor and griefs about it all the time. She grieved over the shabbiness of her apartment, and luxuries of living. These things gnawed at her and made her furious. She would dream of fashionable dinner parties, of gleaming silverware, of tapestries making the walls look alive. She would weep for days on end from vexation, regret, and anguish. So her got her an invitation to a fancy party.
She doesn't have a fancy dress, so husband said, 'I will give you my Four hundred franks. I was going to go get a gun so i could hunt with my friends, but, i guess you can get a dress. But try to get a nice one.
There is the money from the loan sharks
She needs a fancy necklace now that she has a fancy dress. She said that 'Whats the point of going to a fancy party when you do not have a fancy necklace. Her husband said' You could go to madam Forestier.'
They had a cab drop them off at Rue Des Matyrs, and they climbed wearily up to their apartment. For her, it was all over. For him, there was the thought that he would have to be at the ministry at 10:00. But suddenly she gave a cry. The necklace was gone!
They work untill they have money to buy the necklace that they lost.
Loisel finds the actual necklace 10 years later when they finally got out of debt. She finds Mme Forestier on the street and tells her that this is the necklace. But she says"You already gave me my necklace." Loisel says" No we bought that one. It took us years to pay off debt but we managed. She tells her that the necklace is plastic not diamonds.