If you wish to make a directory within your $HOME completely private so that only you can list, read, and write, do this:
mkdir ~/private fs setacl -clear ~/private <USERNAME> all
And then use ~/private/ for your personal data store.
Note that the -clear option causes any previously set ACLs to be removed. The <USERNAME> all part sets full access to the directory's contents to the specified user. Therefore, if you have a directory (indicated by <DIRECTORY>) in your home directory that you wish to make only accessible to you (such as ~/.ssh or ~/documents), use:
fs setacl -clear ~/<DIRECTORY> <USERNAME> all
You may also recursively set ACLs throughout a tree by using fsr. It takes the same commands as fs.