[config] Make sure we create ~/.willie even if older dirs exist

We do want to keep backwards compatability with ~/.jenni and ~/.phenny, but most codepaths assume that if you create a new config file, you'd want it created under ~/.willie
This commit makes sure we create ~/.willie when we create a new config file, even if ~/.jenni and ~/.phenny exists

Thanks to @RileyHuntley and @tyrope for bringing this issue up to my attention.

This fixes issue #186
Merge branch 'master' of github.com:embolalia/willie