Maupassant's story, The Necklace, focuses on a young woman, Mathilde Loisel, who is dissatisfied with her lack of money and fine things. She and her husband, Monsieur Loisel, are invited to a fancy party, and she borrows a necklace from her rich friend, Madame Forestier, for the occasion. However, during the evening Mathilde loses the necklace, and she and her husband are unable to find it. They use all of their savings and borrow thousands of francs to buy a replacement necklace.
As Mathilde returns the necklace, Madame Forestier doesn't even open the box to see its contents. Madame Loisel, along with her husband, spends the rest of her days working, experiencing the harsh reality of poverty. Both she and her husband work every day to pay off everything, including interest. After ten years and a hard life, they are successful. But during this time, Mathilde ages. Her youth and femininity gone, she looks strong, hard, and weathered by poverty and labor.
The resolution of the story and also Maupassant's trademark surprise ending, comes when Mme. Loisel takes a walk one day and meets her former, wealthy friend, Mme. Forestier, who is still young, beautiful, and fresh. Hardly recognizing her, Madame Forestier is shocked to see how Mathilde aged. Mathilde explains how she lost the borrowed necklace and has spent the past years paying off the replacement. Her friend clasps Mathilde's hands and tells Mathilde the borrowed necklace was an imitation, a fake, worth only a few hundred francs. Madame Forestier is stunned by her friend’s story and how the things have turned out.