What prevented Cholkar from visiting Shirdi immediately after passing his examination, and what analogy is used to describe his financial hardship?

According to chapter 15, Cholkar came from a "poor household" where everything depended on his job. After he passed his exam, he was unable to immediately fulfill his vow because of financial constraints, as he felt he could not go to Shirdi empty-handed. The text poignantly describes his struggle with home expenses using a powerful analogy. It states that while one might be able to cross a vast cliff like Naneghat, for a worldly man, this "threshold-ghat" (a metaphor for managing household expenses) is exceptionally difficult to overcome, thus explaining why he had to push his journey from "today to tomorrow."