The mood is one of tension, stress, and grief. The main character works her whole life to pay for a necklace that she borrowed and lost. She keeps the truth from the person who owns the necklace, and when the necklace is finally paid for, she tells the truth. It is then, after years of labor and the loss of her youth and beauty, that the necklace owner tells the borrower the truth: it was not a real diamond necklace. The moral is that had she confessed losing the necklace in the first place, she could have saved herself much grief, pain, labor, and years of hiding the truth from her friend.