What specific vow did Cholkar make to Sai Baba, and why did he delay fulfilling it?

Cholkar's livelihood depended on his job, which required him to pass an examination to make his salary permanent. He made a vow to Sai Baba that if he passed the exam through Baba's grace, he would travel to Shirdi and distribute sugar candy (khadisakhar) in his name. According to Chapter 15, after his wish was granted and he passed, he was unable to fulfill the vow immediately. The delay was caused by financial hardship, poetically described as the difficulty of crossing the "threshold-ghat," or managing household expenses, which made it impossible for him to afford the journey to Shirdi at that time.