I do not want to go, because I have nothing to wear!
Look at what I have for you!
I need a new dress if you want me to go.
It is okay, you can have a new dress.
Exposition: Mathilde Loisel dreams of being rich. She dreams of having butlers, huge reception halls decorated with old silks filled with priceless curios. She hates being poor and wishes there was something she could do to change that.
Complication: When Mathilde's husband come home with an envelop inviting them to a reception. But instead of being overjoyed like her husband thought she gets angry because she has no suitable dresses for this.
What? That is impossible!
I lost the necklace!
Conflict: Mathilde bursts into tears because she has nothing to wear to the event. When her husband asks how much it would cost to buy a new one she says four hundred francs. He hesitates for a second because he was going to use that money to buy a rifle. But eventually he says yes.
Hello, Jeanne. It is me Mathilde Loisel.
Oh my! Mathilde you have changed!
Development: To complete her outfit she goes to visit her friend to borrow a necklace. At the party she has an amazing time. She was the prettiest one there, had guys all over her.
Climax: Once Mme. Loisel got home, she realized Mme. Forestier's necklace was missing. So after panicking her husband goes back outside to retrace their steps. After turning up empty handed that is when the panic fully sets in.
Resolution: Mme. Loisel and her husband pay thirty-six thousand francs to replace the necklace. Ten years later when it is finally paid off, Mme. Loisel runs into Mme. Forestier on the street.