What specific financial and personal challenges did Cholkar face after making his vow, and how did he handle them?

According to chapter 15, after Cholkar passed his examination, he faced significant challenges in fulfilling his vow. The primary obstacle was financial, as he came from a 'poor household.' The text poetically describes this struggle as a 'threshold-ghat' (home expenses) that is very difficult for a worldly man to cross, even more so than a vast mountain cliff. This financial strain forced him to delay his trip to Shirdi. To handle this delay and maintain his commitment, Cholkar undertook a personal penance: he completely gave up sugar, treating it as an 'inedible substance' and even drinking his tea without it until he could finally make the journey and fulfill his original promise to Sai Baba.