diff --git a/cashu/core/db.py b/cashu/core/db.py
index 2af39e7..5b05af6 100644
--- a/cashu/core/db.py
+++ b/cashu/core/db.py
@@ -83,7 +83,6 @@ class Database(Compat):
         self.name = db_name
         self.db_location = db_location
         self.db_location_is_url = "://" in self.db_location
-
         if self.db_location_is_url:
             raise Exception("Remote databases not supported. Use SQLite.")
             # database_uri = self.db_location
diff --git a/cashu/core/settings.py b/cashu/core/settings.py
index 9acdfdf..41afa2c 100644
--- a/cashu/core/settings.py
+++ b/cashu/core/settings.py
@@ -19,6 +19,7 @@ if not DEBUG:
     sys.tracebacklimit = 0
 
 CASHU_DIR = env.str("CASHU_DIR", default=os.path.join(str(Path.home()), ".cashu"))
+CASHU_DIR = CASHU_DIR.replace("~", str(Path.home()))
 assert len(CASHU_DIR), "CASHU_DIR not defined"
 
 LIGHTNING = env.bool("LIGHTNING", default=True)
diff --git a/cashu/wallet/cli.py b/cashu/wallet/cli.py
index c2a0bd1..f29c589 100755
--- a/cashu/wallet/cli.py
+++ b/cashu/wallet/cli.py
@@ -4,6 +4,7 @@ import asyncio
 import base64
 import json
 import math
+import os
 import sys
 from datetime import datetime
 from functools import wraps
@@ -50,7 +51,7 @@ def cli(ctx, host: str, walletname: str):
     ctx.ensure_object(dict)
     ctx.obj["HOST"] = host
     ctx.obj["WALLET_NAME"] = walletname
-    wallet = Wallet(ctx.obj["HOST"], f"{CASHU_DIR}/{walletname}", walletname)
+    wallet = Wallet(ctx.obj["HOST"], os.path.join(CASHU_DIR, walletname))
     ctx.obj["WALLET"] = wallet
     asyncio.run(init_wallet(wallet))
     pass