Madame Loisel desperately wants a better social life.
Monsieur Loisel gets his wife an invitation to a party.
Madame uses the money for a rifle and buys a dress for the party but has no necklace so she finds one from her best friend.
Madame Loisel looses the necklace at the party.
They use inheritance and loan sharks to pay of for a new necklace; And they were in poverty for 10 years trying to replace the money for the necklace.
They finally have enough money for the necklace and Madame is now a ugly old woman and see's her old friend that still looks pretty and young, and tells her that they were in poverty for 10 years paying off her necklace just to get told it was a fake.