The story mentions Cholkar had trouble affording the trip to Shirdi. What specific term does the text use to describe the difficulty of managing household expenses that caused his delay?

The story of Cholkar in Chapter 15 highlights his financial struggles, which delayed the fulfillment of his vow. After passing his exam, he found it difficult to afford the journey to Shirdi. The text uses a powerful metaphor to describe this challenge, stating, 'One might cross the Naneghat or the vast cliff of the Sahyadri, But for a worldly man, this "threshold-ghat" (home expenses) is very difficult to cross.' This term, 'threshold-ghat,' poetically captures the immense difficulty he faced in managing his household finances, which proved to be a greater obstacle for him than crossing a formidable mountain pass.