Why did it take Cholkar so long to get to Shirdi after he passed his exam?

The reason for Cholkar's delayed pilgrimage to Shirdi was his financial hardship, a struggle highlighted in Chapter 15. The text explains that he came from a "poor household" where "everything depends on a job." Even after passing the exam, he found it difficult to save money for the journey, as he couldn't go empty-handed. The author uses a powerful metaphor, stating that for a worldly person, the "'threshold-ghat' (home expenses) is very difficult to cross," even more so than a great mountain cliff. This illustrates that the daily pressures of running a household and managing expenses prevented him from immediately fulfilling his vow, forcing him to push the journey "from today to tomorrow."