preferences not saved when ~/.config doesn't exist

[Nomer T Gomer]

When HomeBank is run on a system where ~/.config doesn't exist, the preferences are not saved. I'm guessing here but, it seems that HomeBank tries to create "~/.config/homebank/preferences" but can't because ~/.config doesn't exist.
This is a minor problem that will probably only effect a minor amount of people, because most Linux(R)/GNU systems have ~/.config

OS: TinyCore Linux 4.1
HomeBank version: 4.4
Steps to reproduce:
  on a system where ~/.config doesn't exist:
    download and un-pack v4.4 source
    ./configure --prefix=/usr/local
    make
    make install [as root]
    homebank
    [open the example file, then make some changes in the preferences e.g. Prefix symbol, then exit homebank and start it again]
    [note how the thing you changed is back to its default value]

[Maxime DOYEN (mdoyen)]

This is fixed for v4.5.
When the home/<usr>/.config dir do not exist, it is created