The girl was married to the clerk in the ministry of education.
She tells her husband to give the invitation he had gotten to someone else, because she thinks she is pretty enough, so he lends her money so she can get a dress
She went to her husband and told him that she needed jewelery, she then went to her friend to borrow some jewelery.
She goes to the party and is praised, but after she leaves the party she loses the necklace, her and her husband then went to franticly find it.
Her and her husband go to a jeweler, collects a large amount of money to buy a new necklace.
Her and her husband ended up moving, firing their maid and had to pay off all the debt they had, her friend then tells her she only had the necklace for cheaper and hadn't notice the change in the necklace.