How does Madam Loisel's character change as a result of the hardships she has to endure?

In the beginning of "The Necklace," Madame Loisel is unhappy with her lot in life. When her husband presents her with an invitation to an affair at the Ministry, she spends money on a dress and borrows a necklace from her friend, Madame Forestier. While at the affair, Madame Loisel is "made drunk with pleasure, forgetting all, in the triumph of her beauty." She is sad when it is time to leave. Upon arrival at home, she discovers that she has lost the necklace borrowed from her friend. As a result, her husband borrows money so that the necklace can be replaced and returned to its owner.
It takes ten years for Madame Loisel and her husband to pay back the debt. During that time, "She came to know what heavy housework meant." She dresses in a manner suitable for a woman of her status and does her best to bargain and save money. She looks much older and is "strong and hard and rough." By the time she sees Madame Forestier again and is told the necklace was not a real diamond necklace, her friend hardly recognizes her.