The text mentions Cholkar had a vow but delayed fulfilling it. What was the specific reason for this delay, as described in the chapter?

The specific reason for Cholkar's delay in fulfilling his vow was his financial hardship. Chapter 15 explicitly states that his was a "poor household" and that everything depended on his job. After he successfully passed his exam, he found it difficult to afford the journey to Shirdi. The text uses the metaphor of the "threshold-ghat" (home expenses) being very difficult for a worldly man to cross, even harder than a vast cliff. He couldn't go empty-handed and had to continually postpone the trip, pushing it from "today to tomorrow" until he could finally manage it.