She was born into a petty official's family and she had no dowry in her possession. Because she has no dowry, she married a minor civil servant
Climax
Her husband gave her an invitation to an evening reception at the Ministry of Education, but she has nothing proper to wear. He gives her 400 Francs to be a nice evening dress and suggests that she goes to her friend to borrow a article of jewelry.
Falling Action
The...The...necklace-it's gone
Madame Loisel asked Madame Forestier if she could borrow a piece of jewelry.
Resolution
You remember the diamond necklace you lent me? Well it took me 10 years to pay for it.
They go to the ball and Madame Loisel was the talk of the ball.
Madame Loisel and her husband get home and she finds out that she has lost the Necklace and they ask around for loans to pay for a new one.
I'm going to retrace the whole distance we covered on foot and see if I can't find it
Madame Loisel runs into Madame Forestier in the streets and tells her that she has spent the last ten years working to pay back the Necklace.