A charming young woman Mathilde and her husband fighting poverty. "she suffered constantly, feeling that all the attributes of a gracious life, every luxury, should have been hers" showing the values that the wife has.
"Request the pleasure of the company of M. and Mme. Loisel at an evening reception at the ministry on Monday, January 18th" She's in anguish as she has no dress nor any jewelry. The husband gives her 400 franks which was what the husband had saved up for a hunting trip with his buddies. Showing how the wife puts herself in front of the husband
She ends up finding a nice dress and borrows an expensive looking necklace. Feeling confident in her outfit it shows as she is the belle of the ball. "the minister himself noticed her"
After her night of fame she takes a cab home to find that the necklace is no longer on her neck. Her and her husband look all night feeling sick to their stomach to find nothing in return "her husband returned at about seven O'clocl
To replace the necklace they get one from a different jeweler that they borrowed from and gave back that necklace in return. As it was 36,000 franks they had to work their butts off for 10 years to pay off their debts
Once the debts are paid they are talking to the jeweler that they borrowed from. And to their surprise the necklace they had lost was fake and was a 72nd portion of the price they had to pay for the one they replaced it with.