Why does Monsieur Loisel advise his wife not to tell her friend about the lost necklace?

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Monsieur Loisel doesn't want to tell Madame Forestier about losing the necklace because it would mean a loss of face. Though not a crashing snob like his wife, he's doubtless aware that his recent invitation to the Education Ministry ball could've been the start of big things for him both professionally and socially. So the last thing he wants to do is to damage his chances of advancement by admitting to having lost what he and Mathilde believe to be a valuable diamond necklace. Instead, he gets Mathilde to spin a yarn about breaking the necklace's clasp and needing to get it fixed as a way of buying time so that he and his wife can see if they can find the lost necklace.

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Monsieur Loisel advises his wife to tell Madame Forestier that she has broken the clasp on the necklace she has borrowed from her, and that it will take some time to get it repaired at a jewelry shop. Loisel comes up with this lie this so that they have some time to retrace their steps on the night of the gala to see if they can find the necklace that Madame Loisel has lost.  When they do not find it, Loisel goes to "the police station, to the newspapers, to offer a reward, to the cab companies..." to see if the necklace will surface. When no one steps up after a week has gone by, he combines his inheritance from his father's estate with borrowed money to come up with sufficient funds to purchase a diamond necklace that looks very much like the one that Madame Loisel has lost.   

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