|This review is intended to be helpful. It is also just one person's opinion.
While the necklace is not an integral part of the story, the title still works well.
There is a lot of heart in the story and the emotions of the characters comes through. I have a suggestion for you to consider. You have a strong vocabulary and it shows. However, if a reader has to keep referring to a dictionary to understand some words it becomes a distraction which interepts the flow of the story. You may want to change some words:
harangue, parsimonious, perquisites, temerity, mala fide
At one point, Neil mentions some pineapples:
"Thanks, Abena. The pineapple was so sweet. Where did you get it?"
I don't read of him eating any pineapples. Up to that point, he has eaten the bananas and the honey.
The phrasing seems a little awkward when Neil finds out about Rosa's illness.
"One day, my admin head, Robert came to my office.
“Did you meet her, Robert?”
“Yes, sir. She is down with malaria.”
It is unclear, at first, who "her" is. There was no mention up to this point about Rosa being absent, sick, or anything else. Perhaps you could re-work this part so it is not quite so abrupt.
There were some parts where I wondered about comma usage. There is one which sticks out most to me:
"Accra, the location of our country headquarters had" There needs to be a comma after "headquarters".
This is a very good story of temptation, desire and overcoming both.