What financial and personal struggles did Cholkar face in relation to his vow?

Cholkar faced significant struggles stemming from his poverty. Chapter 15 describes his household as 'poor,' with his livelihood dependent on passing an examination to make his job permanent. This precarious financial situation was the very reason for his vow to Sai Baba. After passing the exam, his struggle continued, as he could not afford the journey to Shirdi to fulfill his promise. The text poetically notes that crossing the 'threshold-ghat' of home expenses is more difficult for a worldly man than crossing a vast mountain cliff. This financial hardship caused a long delay, during which he undertook the personal penance of giving up sugar entirely, demonstrating his unwavering resolve despite his difficult circumstances.