Madame Loisel wants a better social life.She lives in France. She thinks that she deserves more and should have more money. She lives in an apartment with a maid and her husband. They don't have a lot of money but they aren't poor. Madam has friends that are rich.
Madame Loisel's husband gets her an invitation to a fancy party. She is upset because she doesn't have a nightgown to wear to the party. She asks her husband for some money that he had saved for a rifle to buy a new dress. She borrows a necklace from her friend because she can't afford to buy one herself.
Madame puts on the dress and goes to the party. She has the time of her life and dances with everyone. She is happy because this is the life she has always wanted. She stays at the party for a long time. They leave around 4am and they take a carriage to their house
Once the get home she realizes that she lost the necklace that her friend let her borrow. They look everywhere for the necklace but can't find it. They have to go to pawn shops and look for one like it to replace the lost one.
They found a necklace almost exactly like the lost one. They have to buy it with his inheritance and they have to also take out loans to buy it. They got the necklace for $36,000. They give the necklace to her friend.
Madame and her husband have to move and change their life so they are able to pay back all of their debt. after 10 years of living poor they finally pay off their debt. Then Madame tells her friend what had happened after 10 years. Her friend said that the lost one was fake and it wasn't expensive.