Recall What causes the change in the Loisels' financial situation?

When Mathilde Loisel lost the 'borrowed' necklace from Madame Forestier, she did not admit her mistake, Rather, she and her husband decided to replace the lost ornament by buying a new, similar necklace at the cost of their savings. And after ten years had passed, she only knew the truth about the 'fake' diamond necklace which she had replaced with a new, real necklace. And that was the result of their change in financial situation.

Explanation:

"The Necklace" by Guy Maupassant revolves around the story of a young married woman who seemed unsatisfied with her social status and life. And with that greed, she only brought further degradation to her domestic life, leading to a torturous life of repaying a debt that could have been prevented.

Despite not being rich, the Loisels were still living a life of easy comfort and managing by, with her husband's office clerical job. But the change in their financial situation came after she lost the necklace she had borrowed from her friend Madame Forestier. Thinking that the necklace was an expensive one, she decided to replace the lost ornament instead of being truthful about it to the owner. And so, the Loisels had to sacrifice their small savings to recoup for the lost necklace, buying a new one and giving it to the owner as if nothing had happened. Only after ten years of suffering had passed, she was to realize her mistake, though there is nothing she can do to change it.  

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