What specific challenges did Cholkar face that prevented him from immediately visiting Shirdi after passing his examination?

After Sai Baba's grace helped him pass his examination, Cholkar was unable to fulfill his vow to visit Shirdi right away due to significant worldly struggles. The source material in Chapter 15 describes him as belonging to a "poor household" where "everything depends on a job." The primary obstacle was financial hardship. The text poetically describes this struggle as the "threshold-ghat" (home expenses), which for a worldly man is said to be more difficult to cross than the vast cliffs of the Sahyadri mountains. He had to keep postponing his journey because, as Chapter 15 notes, "One must have something in hand for the journey; How could he go empty-handed?" This financial inability to afford the pilgrimage was the reason for the delay in fulfilling his vow.