The story mentions Cholkar faced difficulty crossing the 'threshold-ghat.' What does this mean, and how did it impact his vow to Baba?

In Chapter 15, the term 'threshold-ghat' is a metaphor for the immense difficulty of managing household expenses and financial obligations for a worldly person. While one might be able to cross a physical mountain pass like the Naneghat, the text explains that for a man with a family, overcoming the 'ghat' of daily expenses is a far greater challenge. This financial hardship directly impacted Cholkar's vow because, despite passing his exam by Baba's grace, he did not have the funds for the journey to Shirdi. This 'threshold-ghat' caused a delay in fulfilling his promise to distribute sugar candy, leading him to take up the personal penance of giving up sugar until he could afford the trip.