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Three character traits that Madame Loisel possesses that are easily apparent when reading the short story "The Necklace" is she is ungrateful, selfish, and greedy. No matter what her poor, loving husband does for her to satisfy her and make her happy, it just is never enough and she always wants more. He sees that she is dissatisfied with lot in life. Although, it should be noted that the Loisels are not poor. It's true they are not rich, but they are by no means living in poverty. They are middle-class. She has servants. However, this is not enough for her. To cheer her up, her husband brings home for her an invitation to an opulent party. This doesn't satisfy her because she has no fancy dress to wear to the party. Her husband, who was saving money to buy himself a gun, gives Mathilde the money instead so she can buy a dress for the party. This is still not enough. She has no fancy jewelry to match the fancy dress. Therefore, she borrows a necklace from her wealthy friend Madame Forestier. She's never grateful for what she has. She's always thinking about what she doesn't have.
Madame Forestier - Mathilde’s wealthy friend. Madame Forestier treats Mathilde kindly, but Mathilde is bitterly jealous of Madame Forestier’s wealth, and the kindness pains her. Madame Forestier lends Mathilde the necklace for the party and does not inspect it when Mathilde returns it. She is horrified to realize that Mathilde has wasted her life trying to pay for a replacement necklace, when the original necklace had actually been worth nothing.
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Monsieur Loisel - Mathilde’s husband. Monsieur Loisel is content with the small pleasures of his life but does his best to appease Mathilde’s demands and assuage her complaints. He loves Mathilde immensely but does not truly understand her, and he seems to underestimate the depth of her unhappiness. When Mathilde loses the necklace, Monsieur Loisel sacrifices his own future to help her repay the debt. He pays dearly for something he had never wanted in the first place.
Mathilde Loisel - The protagonist of the story. Mathilde has been blessed with physical beauty but not with the affluent lifestyle she yearns for, and she feels deeply discontented with her lot in life. When she prepares to attend a fancy party, she borrows a diamond necklace from her friend Madame Forestier, then loses the necklace and must work for ten years to pay off a replacement. Her one night of radiance cost her and Monsieur Loisel any chance for future happiness.
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