The chapter is full of instances that provide the base for the justification that the narrator was not very financially comfortable. He's travelling in the third class cabin being the initial one. The description of the place where he used to live which he states as icy cold washroom, and how they took turns in the cooking curry which they ate with their hands on a table which was covered with newspaper. He also didn't have a knife provided that he used the spoon to slice the eggs. All these details clearly state that he was not at all financially comfortable as he made the use of each penny wisely.