Can you explain the financial struggles Cholkar faced that made it difficult for him to fulfill his promise to Baba?

The narrative in Chapter 15 highlights Cholkar's significant financial hardships. He came from a 'poor household' where everything depended on his job, which was not yet permanent. After passing his exam thanks to his vow, he still could not immediately travel to Shirdi. The text poignantly notes that for a worldly man, the 'threshold-ghat' (home expenses) is very difficult to cross, even more so than a vast mountain cliff. Because he felt he could not go to see Baba 'empty-handed,' he had to continually postpone his pilgrimage, pushing the days 'from today to tomorrow.' This delay was a direct result of his poverty and the pressing need to manage his household finances before he could afford the journey.