Why did Cholkar make a vow to Sai Baba, and what problems did he face in fulfilling it?

Cholkar made a vow to Sai Baba out of desperation. As described in Chapter 15, he came from a poor household and his livelihood depended on passing an examination to make his job permanent. He promised that if he passed by Baba's grace, he would visit Shirdi and distribute sugar candy. Although his wish was granted and he passed the exam, he faced a significant delay in fulfilling his vow. The text explains that "for a worldly man, this 'threshold-ghat' (home expenses) is very difficult to cross." This indicates his poverty and the financial burden of his household prevented him from affording the journey to Shirdi right away.