Respect $HOME for config location
Respect $HOME for config location

As discussed in https://github.com/golang/go/issues/26463, Go's
'user.Current().HomeDir' does not do the right thing.
The 'HOME' environment variable is meant to take precedent over
whatever's in /etc/passwd.

This updates the config directory initialization code to use the correct
home directory.

gsamokovarov/jump