Matilda is the young and beautiful wife of Mr.Loisel, a clerk in the board of Education. She is proud of her elegant beauty. She is unhappy with her poor lot. She thinks she is a victim of social injustice and irony of fate. She is unhappy with her husband’s small house and old furniture. She feels she has been deprieved of the comforts and luxuries which she might have enjoyed by marrying a rich man.
In short she is sick and ashamed of her present miserable life. But all this does not mean that she does not love her husband. Of course she loves him deeply though much of the credit for this love goes to the husband. He does his best to
make her as happy as he can afford. He puts up with her foolish demands, and yields to all her stupid whims. Matilda is a simple, child like immature girl until she finds her self face to face with the bitter consequences of her folly. The loss of the necklace proves a turning point in the development of her character. It makes her a careful and responsible woman. Her grumbling over the poor lot of her husband gives way to respect and gratitude for his tolerance and generosity. Matilda thus plays two different roles in the story. Before the loss of the necklace she is a thoughtless, ungrateful, proud beauty, unhappy with the poverty of her husband. After the loss she becomes a mature, humble and grateful wife who can gladly sacrifice every pleasure to get her husband out of his financial misery. This change in her character makes her a lovable character in spite of all her faults and follies.