Why did Cholkar have to delay his trip to Shirdi, and what was the 'threshold-ghat' mentioned in his story?

After passing his exam, Cholkar delayed his promised trip to Shirdi because he was from a poor household and struggled with expenses. Chapter 15 explains that he felt he couldn't go empty-handed and needed to save money for the journey, pushing the trip from "today to tomorrow." The text poetically refers to the difficulty of managing home expenses as the "threshold-ghat." It states that while one might cross great physical obstacles like the Sahyadri cliffs, for a worldly person, this "threshold-ghat" of household finances is exceptionally difficult to overcome. This financial hardship was the reason for his delay in fulfilling his vow to Baba.