The necklace is used symbolically to show that Madame Loisel does not know what she has been yearning for. After the party when the two get back home, Madame Loisel realizes that she has lost the necklace. Her husband searches for it everywhere but he is unable to get. They decide to take up loans in order to buy another necklace for replacement.
The necklace is very expensive and they have to pay the debts incurred for ten. It is during this time that Madame Loisel realizes that she made a mistake by borrowing that necklace. She has to do odd jobs as she helps her husband to clear the debts.
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