A classic story of pride and irony, The Necklace by Guy de Maupassant tells of Mathilde Loisel, a woman who loses a borrowed diamond necklace and spends years paying the price—only to learn a heartbreaking truth. A timeless tale about vanity, honesty, and the true cost of appearances.
She was one of those pretty and charming girls born, as though fate had blundered over her, into a family of artisans. She had no marriage portion, no expectations, no means of getting known, understood, loved, and wedded by a man of wealth and distinction; and she let herself be married off to a little clerk in the Ministry of Education. Her tastes were simple because she had never been able to afford any other, but she was as unhappy as though she had married beneath her; for women have no caste or class, their beauty, grace, and charm serving them for birth or family, their natural delicacy, their instinctive elegance, their nimbleness of wit, are their only mark of rank, and put the slum girl on a level with the highest lady in the land.
She
suffered endlessly, feeling herself born for every delicacy and luxury. She
suffered from the poorness of her house, from its mean walls,
worn chairs, and ugly curtains. All these things,
of which other women of her
class would not even have been aware, tormented and
insulted her. The sight of the little Breton girl who came to do the work
in her little house aroused heart-broken regrets and hopeless dreams in
her mind. She imagined silent antechambers, heavy with Oriental tapestries, lit
by torches in lofty bronze sockets, with two tall footmen in knee-breeches
sleeping in large arm-chairs, overcome by the heavy warmth of the stove. She imagined vast saloons hung
with antique silks, exquisite pieces
of furniture supporting priceless ornaments, and small, charming, perfumed
rooms, created just for little parties of intimate friends,
men who were famous and sought after, whose homage roused every other woman's envious longings.
When
she sat down for dinner at the round table covered with a three-days-old cloth,
opposite her husband, who took the cover off the soup-tureen, exclaiming
delightedly: "Aha! Scotch broth! What could be better?" she imagined
delicate meals, gleaming
silver, tapestries peopling
the walls with folk of a
past age and strange birds in faery
forests; she imagined delicate
food served in marvellous dishes,
murmured gallantries, listened
to with an inscrutable smile
as one trifled with the rosy flesh of trout or wings of asparagus
chicken.
She had no clothes, no jewels, nothing.
And these were the only things
she loved; she felt that she was made for
them. She had longed so eagerly to charm, to be desired, to be wildly
attractive and sought after.
She had a rich friend, an old school friend whom she refused
to visit, because
she suffered so keenly when she
returned home. She would weep whole days, with grief, regret, despair, and
misery.
One evening
her husband came home with an exultant air, holding a large envelope
in his hand. "Here's something for you," he said.
Swiftly she tore the paper and drew out a printed
card on which were these words:
"The Minister
of Education and Madame Ramponneau request the pleasure
of the company of Monsieur
and Madame Loisel at the Ministry on the evening of Monday, January the
18th."
Instead of being delighted, as her husband
hoped, she flung the invitation petulantly across the table, murmuring:
"What do you want me to do with this?"
"Why, darling,
I thought you'd be pleased. You never go out, and this is a great occasion.
I had tremendous trouble to get it. Every one wants one; it's very select, and very
few go to the clerks.
You'll see all the really
big people there."
She looked at him out of furious eyes,
and said impatiently: "And what do you suppose
I am to wear at such an
affair?"
He had not thought
about it; he stammered:
"Why, the dress you go to the theatre
in. It looks very nice,
to me . . ."
He stopped,
stupefied and utterly
at a loss when he saw that
his wife was beginning to cry. Two large tears ran slowly down from the corners of her eyes towards the
corners of her mouth.
"What's the matter with you? What's
the matter with you?" he faltered.
But with a violent
effort she overcame
her grief and replied in a calm voice, wiping
her wet cheeks:
"Nothing. Only I haven't
a dress and so I can't go to this party. Give your invitation to some friend
of yours whose wife will be turned out better than
I shall."
He was heart-broken. 
"Look here, Mathilde," he persisted. "What would be the cost of a suitable
dress, which you could use on other occasions as well, something very
simple?" 
She
thought for several seconds, reckoning up prices and also wondering for how large a
sum she could ask without bringing upon herself an immediate refusal
and an exclamation of horror
from the careful-minded clerk. At last she replied
with some hesitation:
"I don't know exactly, but I think I could do it on four hundred
francs." He grew slightly pale,
for this was exactly the amount he had
been saving for a gun, intending to get a little
shooting next summer on the plain of Nanterre with some friends who went
lark-shooting there on Sundays.
Nevertheless he said: "Very well. I'll give you four hundred francs. But try and get a really
nice dress with the
money." The day of the party drew near, and Madame Loisel seemed sad, uneasy and anxious.
Her dress
was ready, however. One
evening her husband said to her:
"What's the matter with you? You've
been very odd for the last three days."
"I'm
utterly miserable at not having
any jewels, not a single
stone, to wear," she replied. "I
shall look absolutely no one. I would almost rather
not go to the party."
"Wear
flowers," he said.
"They're very smart
at this time of the year. For ten francs yo could get two or three gorgeous roses."
She was not convinced.
"No . . . there's nothing
so humiliating as looking poor in the middle of a lot of rich women."
"How stupid you are!" exclaimed her husband.
"Go and see Madame Forestier
and ask
her to lend you some
jewels. You know her quite well enough for that."
She
uttered a cry of delight. "That's true. I never thought
of it."
Next day she went to see her friend
and told her her trouble.
Madame Forestier
went to her dressing-table, took up a large box, brought it to Madame Loisel, opened it, and said: "Choose, my dear."
First
she saw some bracelets, then a pearl necklace, then a Venetian cross in gold
and gems, of exquisite workmanship. She tried the effect of the jewels before
the mirror, hesitating, unable to make up her mind to leave
them, to give them up. She kept on asking:
"Haven't you anything else?"
"Yes. Look for yourself. I don't know what you would like best."
Suddenly she discovered, in a black satin case, a superb diamond necklace; her heart began to beat covetously. Her hands trembled as she lifted it. She fastened it round her neck, upon her high dress, and remained in ecstasy at sight of herself.
Then, with hesitation, she asked in anguish:
"Could you lend me this, just this alone?" "Yes, of course."
She flung herself on her friend's breast, embraced her frenziedly, and went away with her treasure. The day of the party arrived. Madame Loisel was a success. She was the prettiest woman present, elegant, graceful, smiling, and quite above herself with happiness. All the men stared at her, inquired her name, and asked to be introduced to her. All the Under-Secretaries of State were eager to waltz with her. The Minister noticed her.
She danced madly, ecstatically, drunk with pleasure, with no thought for anything, in the triumph of her beauty, in the pride of her success, in a cloud of happiness made up of this universal homage and admiration, of the desires she had aroused, of the completeness of a victory so dear to her feminine heart.
She left about four o'clock in the morning. Since midnight her husband had been dozing in a deserted little room, in company with three other men whose wives were having a good time. He threw over her shoulders the garments he had brought for them to go home in, modest everyday clothes, whose poverty clashed with the beauty of the ball- dress. She was conscious of this and was anxious to hurry away, so that she should not be noticed by the other women putting on their costly furs.
Loisel restrained her.
"Wait a little. You'll catch cold in the open. I'm going to fetch a cab."
But she did not listen to him and rapidly descended the staircase. When they were out in the street they could not find a cab; they began to look for one, shouting at the drivers whom they saw passing in the distance.
They walked down towards the Seine, desperate and shivering. At last they found on the quay one of those old nightprowling carriages which are only to be seen in Paris after dark, as though they were ashamed of their shabbiness in the daylight.
It brought
them to their door in the Rue des Martyrs,
and sadly they walked up to their own apartment. It was the end, for
her. As for him, he was thinking that he must be at the office at ten.
She took off the garments in which she had
wrapped her shoulders, so as to see herself in all her glory before
the mirror. But suddenly she uttered a cry. The necklace was no longer
round her neck!
"What's the matter with you?" asked
her husband, already
half undressed. She turned
towards him in the utmost distress.
"I . . . I . . . I've no longer got Madame Forestier's necklace"
He started
with astonishment. "What!         Impossible!"
They searched
in the folds of her dress, in the
folds of the coat, in the pockets,
everywhere. They could not find it. "Are
you sure that you still had it on when you came away from the ball?" he
asked.
"Yes, I touched it in the hall at the Ministry."
"But if you had lost it in the street, we should have heard it fall."
"Yes.
Probably we should. Did you take the number of the cab?" "No. You
didn't notice it, did you?"
"No."
They stared at one another, dumbfounded. At last Loisel put on his clothes
again. "I'll go over all the ground we walked," he said,
"and see if I can't find it."
And he went
out. She remained
in her evening clothes, lacking
strength to get into bed, huddled on a chair, without volition or power of
thought.
Her husband
returned about seven.
He had found nothing.
He
went to the police station,
to the newspapers, to offer a reward,
to the cab companies, everywhere that a ray of hope
impelled him.
She waited all day long, in the same state of bewilderment at this fearful
catastrophe. Loisel came home at night, his face lined and pale; he had
discovered nothing.
"You must write to your friend," he said, "and
tell her that you've broken the clasp of her
necklace and are getting it mended. That will give us time
to look about  us." 
She wrote
at his dictation.By the end of a week they had lost all hope.
Loisel, who had aged five years, declared:
"We must see about replacing the diamonds."
Next day they took the box which had held
the necklace and went to the jewellers
whose name was inside. He consulted his books.
"It was not I who sold this necklace, Madame; I must have merely supplied the clasp."
Then they went from jeweller to jeweller, searching
for another necklace
like the first, consulting their memories,
both ill with remorse and anguish of mind.
In a shop at the Palais-Royal they found a string
of diamonds which seemed to them exactly
like the one they
were looking for. It was worth forty thousand francs. They were allowed to have
it for thirty-six thousand.
They begged the jeweller
not to sell it for three days. And they arranged matters
on the understanding that it would be taken back for thirty-four
thousand francs, if the first one were found before the end of February.
Loisel possessed eighteen thousand francs
left to him by his father. He intended to borrow the rest.
He did borrow it, getting a thousand
from one man, five hundred from another, five louis here, three louis there.
He gave notes of hand, entered into ruinous agreements, did business with
usurers and the whole tribe of money- lenders. He mortgaged the whole remaining
years of his existence, risked his signature without even knowing if he could
honour it, and, appalled at the agonising face of the future, at the black
misery about to fall upon him, at the prospect
of every possible
physical privation and moral torture,
he went to get the new necklace
and put down upon the
jeweller's counter thirty-six thousand francs.
When Madame
Loisel took back the necklace
to Madame Forestier, the latter said to her in a chilly voice: "You ought to have brought it
back sooner; I might have needed it."
She did not, as her friend
had feared, open the case. If she
had noticed the substitution, what would she have
thought? What would she have said? Would she not have taken her for a thief?
Madame Loisel came to know the ghastly life of abject poverty. From the very first she played her part heroically. This fearful debt must be paid off. She would pay it. The
servant was dismissed. They changed their flat; they took a garret under the
roof.
She came to know the
heavy work of the house, the hateful duties
of the kitchen. She washed the plates, wearing out her pink nails on the coarse
pottery and the bottoms of pans. She washed the dirty linen, the shirts and
dish- cloths, and hung them out to
dry on a string; every morning she took the dustbin down into the street and carried up the water, stopping on each landing to
get her breath. And, clad like a poor woman, she went to the fruiterer, to the
grocer, to the butcher, a basket on her arm, haggling, insulted, fighting for
every wretched halfpenny of her money.
Every month notes had to be paid off, others renewed,
time gained.Her husband worked in the evenings at putting straight
a merchant's accounts, and often at night
he did copying at
twopence-halfpenny a page. 
And this life lasted ten years.
At the end of ten years everything was paid off, everything, the usurer's charges
and the accumulation of
superimposed interest.
Madame Loisel looked old now. She had become like all the other strong, hard, coarse women of poor households.
Her hair was badly done, her skirts were awry,
her hands were red. She spoke
in a shrill voice, and the water slopped
all over the floor when she scrubbed it. But sometimes, when her husband was at
the office, she sat down by the window and thought of that evening long ago, of
the ball at which she had been so beautiful and so much admired.
What would have
happened if she had never lost those jewels.
Who knows? Who knows? How strange life is, how fickle! How little is needed to ruin
or to save!
One
Sunday, as she had gone for a walk along the Champs-Elysees to freshen herself
after the labours of the week, she caught sight suddenly of a woman who was taking a child out for a walk. It was Madame
Forestier, still young, still
beautiful, still attractive.
Madame Loisel was conscious of some emotion.
Should she speak to her? Yes, certainly. And now that she
had paid, she would tell her all. Why not?
She went up to her. "Good morning, Jeanne."
The other did not recognise her, and was surprised at being thus familiarly addressed
by a poor woman. "But . . .
Madame . . ."
she stammered. "I
don't know . . . you must be making a mistake."
"No . . . I am Mathilde Loisel."
Her friend
uttered a cry. "Oh! . . . my poor Mathilde, how you have changed! . . ."
"Yes, I've had
some hard times since I saw you last; and many sorrows
. . . and all on your account." "On my account! . . .
How was that?"
"You remember
the diamond necklace
you lent me for the ball at the Ministry?" "Yes. Well?"
"Well, I lost it."
"How could you? Why, you brought
it back."
"I brought
you another one just like it. And for the last ten years we have been paying
for it. You realise it wasn't
easy for us; we had no money        Well,
it's paid for at last, and I'm glad indeed."
Madame Forestier had halted. "You say you bought
a diamond necklace
to replace mine?"
"Yes. You hadn't noticed
it? They were very much alike." And she smiled
in proud and innocent happiness.
Madame Forestier, deeply moved, took her two hands. "Oh,
my poor Mathilde!
But mine was imitation. It was
worth at the very most five hundred francs!  "

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