The horrible irony of the fact that the Loisels spent years paying off a replacement for what was actually a worthless necklace is just one instance of irony evident in “The Necklace.” Also ironic is the fact that Mathilde’s beauty, which had been her only valued asset, disappears as a result of her labor for the necklace. She had borrowed the necklace to be seen as more beautiful and winds up losing her looks completely. Perhaps the most bitter irony of “The Necklace” is that the arduous life that Mathilde must assume after losing the necklace makes her old life—the one she resented so fully—seem luxurious. She borrows Madame Forestier’s necklace to give the appearance of having more money than she really does, only to then lose what she does have. She pays doubly, with her money and looks, for something that had no value to begin with.
In simpler terms, Mathilde and her husband's lives were touch in a bad way. She only cares about her happiness and does not even think how is her decision is going to affect others and her life later. In order for her to attend the occasion with her husband, she makes Monsieur Loisel go out of his way to purchase a new dress for her. After all, she is not gratified with the effort; she comes to a conclusion to borrow a diamond necklace to fulfill her happiness. At the end, she loses her charm. Not only does she have to pay for it, her husband's life also comes to devastation. In life, she should always be happy with the little she has. Hopefully, Mathilde learns her lesson and recognizes the value of what she has