Can you describe the financial struggles that delayed Cholkar from fulfilling his vow?

After Cholkar's wish to pass his examination was granted by Sai Baba's grace, he faced significant difficulty in fulfilling his vow to visit Shirdi. The source text in Chapter 15 describes his situation as a struggle to cross the 'threshold-ghat,' a term used to signify the immense challenge of managing household expenses for a worldly man. This financial hardship meant he couldn't afford the journey right away and had to keep postponing it, pushing the trip 'from today to tomorrow.' The text poetically compares this domestic financial struggle to the difficulty of crossing a vast cliff like Naneghat, highlighting how prohibitive his poverty was and explaining the long delay before he could finally present himself at Baba's feet.