The text says Cholkar delayed fulfilling his vow. What financial struggles caused this delay?

Chapter 15 explains that Cholkar came from a "poor household" where everything depended on his job. After he passed his examination, he couldn't immediately travel to Shirdi to fulfill his vow of distributing sugar candy. The delay was due to financial hardship. The text poetically describes this struggle as the "'threshold-ghat' (home expenses)," which it calls "very difficult to cross" for a worldly man. It implies that the daily costs of running a household were a significant barrier. The verses state that "One must have something in hand for the journey; How could he go empty-handed?" This shows he had to postpone his trip, pushing it "from today to tomorrow" until he could afford to travel and properly fulfill his promise.