How to get C-x C-f to properly handle $HOME but not expand it into the text?

Hi all!

With gvim -U NONE -u NONE .jwmrc (which the XML file here
https://github.com/shlomif/shlomif-computer-settings/blob/master/shlomif-settings/jwm/jwm.jwmrc
) pressing Ctrl-x and ctrl-f in insert mode in line 130 causes $HOME to expand
into /home/shlomif in the text, which I wish to avoid, but want the paths to
complete relative to the home dir. How can it be done?

I've searched google, DDG and the vim docs to no avail.

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Shlomi Fish http://www.shlomifish.org/
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average_drifter prefers something more lightweight than Windows Notepad. Like
Eclipse.
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