The beginning of the text is a little bit discriminatory due to how the author refers to a family of clerks. The author says "as if by a mistake of destiny", "no dowry, no expectations, no means of being known" (Maupassant 33) as explanation of social status or household where she, Mathilde, was born. There is not any mistake of being born in a family like that, many people are, and most of those people do have expectations, aspirations, and the opposite of all what the author says about what they cannot be or have. Every person should be treated equally due to everyone has the same opportunities, and people should stop supposing that everyone will end up where she or he comes from, or doing the same than her or his parents. People make their decisions, and they are who decide where to go and what to do. However, sometimes family, ego, selfishness and ambition lead people to make wrong decisions which make people see things as they are not.

The author describes Mathilde as a poor, sad, not too smart and unsatisfied woman with her life, and it could be understood that way due to what words the author uses, for example when de Maupassant says, "She could not dress well, but she was unhappy as though" (Maupassant 33). That last quote expressed how poor she is, both material and spiritual, and anyone could probably feel compassion for her. 

The first three lines on the second page of the text are interpreted as if the author would be explaining one of the many stereotypes of women; in this case one woman who wants everything she does not have or see on other to be envied as the ones who have this material goods. 

In real life, inviting someone like Mathilde to a fancy party could end in an uncomfortable or awkward situation. When people are that complicated and care about what others say, thinking about going out to an elegant party is hard because people will open their closets and find out that they do not have anything to wear; they actually do, but they do not want to put anything on that they already have worn. The last sentence could be supported when Mathilde says, "nothing. Only I have no dress, therefore I can't go to this ball. Give your card to some colleague whose wife is better equipped than I" (Maupassant 34). This quote could tell that many people who open a closet can decide not to go to nowhere.

The actions of her husband shows that he is being patient and trying to find easy solutions to manage to make her go to the desired party. M. Loisel is different from Mathilde, he is simple, uncomplicated and easygoing. Based on what he does and says, it shows that he really wants her to go with him. He would appreciate if she decides to go without being that demanding, and the expressions "the dress you go to the theater in. It looks very well, to me" and "you might wear natural flowers" (Maupassant 35) support that idea, and show how simple her husband is; although, men usually do not worry about their suits as women do with their dresses. 

When people do not have something they need or money to buy it, they go to someone who is really close to them and borrow what they need, as Mathilde did. Mme. Forestier is a good friend and would lend Mathilde whatever she wanted, but Mathilde was never satisfied. Mathilde wants more and more, it is like the more she sees the more she wants. Mathilde is ambitious because she could have been pleased in the first place with the pearl necklace, gold stones or even the Venetian cross. Finally, when people really like something, more than enough, there is nothing that makes them change their minds; Mathilde fell in love with a necklace of diamonds after her body had experienced a sexual act, as the author says when he writes "Her heart began to beat with an immoderate desire. Her hands trembled as she took it." (Maupassant 35). Situations like that might be seen in life when people think there is nothing else better than that. At the party Mathilde achieved her goal, to be the prettiest and most admired woman among all.  

People make mistakes, people have accidents, and in this case Mathilde lost the important, precious and borrowed necklace. The despair is fully expressed in the book, and reader can get into the situation when she or he is reading the dialog. In real life, people who lose something that is borrowed, the first thing they do is to try to find a replacement of  it without saying anything to the owner, when they just need to face the problems and see how they and the owner can get a solution. 

Getting a loan is something nobody likes, and everyone is afraid of. However, when people are responsible like Loisel, and there is nothing else to do, getting loans is the only solution. Nowadays, getting the loan is basically the easy part, the hard part is how to pay it back. "The Necklace" on page 38 explains what they had to do to make the money to pay the loans off, Mathilde washed clothes, wash dirty linen, dishes and all kind of heavy house work, her husband worked more hours late at night (Maupassant 38). That part could be compared with life out of the book because how many people are seen getting loans and credit cards, which are the same things but with different names, to get all kind of luxuries such a new car, the newest clothes, etc. but what it is not actually seen is what people have to do to be able to have all those kind of luxuries, even to keep them. 

Mathilde could pay everything off, lucky her because there are people who cannot. Now she feels good without that weight on her shoulders. Sometimes working hard to pay off a loan has to happen to someone because it is how she or he learns to get up after falling.

The book ends in a very interesting way when Mme. Forestier says "Oh, my poor Mathilde! Why, my necklace was paste. It was worth at most five hundred francs!" (Maupassant 39). The previous quote could be taken as example to show a common mistake that many people make. People think that when someone has more than them is richer, and that everything she or he has is expensive and genuine. People do not think that those items are not actually genuine, and that is why she or he has variety of them. In this case Mathilde had to work hard to pay something worthless when it looked like it was because she was ambitious and thought if it glitters, then it is gold.

