The setting is in france. A middle class chick is greedy, she isn't grateful for what she has. Her husband comes home with invitations to a party. she is sad because she doesn't have anything nice to wear.
Her husband buys her a new dress to wear to the party. SHe also borrows a "priceless" necklace from one of her upper class friends.
They get a carriage to the party. They arrive and she gets many compliments on her dress and necklace.
They get home and the chick realises the necklace is no longer on her neck. They call the building where the party was at, they ask if its there and if they could look for it. no results. they then start searching.
They couldn't find it . so they decided to buy a new necklace. The new necklace is 36 thousand dollars. so they work hard until they pay off the necklace. she never tells her friend anything
After 10 years of working to pay off t eh necklace it was done. She then runs into her friend in public and she confesses everything to her.