Why did Cholkar have to delay his trip to Shirdi, and what personal sacrifice did he make during that time?

According to Chapter 15, after Cholkar passed his exam by Baba's grace, he delayed fulfilling his vow to visit Shirdi due to financial hardship. The text describes the difficulty of managing household expenses as a "threshold-ghat" that is very hard for a worldly man to cross. Because of this delay in keeping his promise, Cholkar undertook a personal penance. He decided to give up sugar, treating it as an "inedible substance" and even drinking his tea without it. This act of self-discipline continued until he finally managed to save enough money for the journey to Shirdi to fulfill his original vow.