Lazy_local_gems is a project mainly written in Ruby, it's free.
a little ruby script using exit to shell to install RubyGems locally
FIRST in the gemrc file change the place marker [USER_NAME_HERE] with the obvious answer SECOND in the cmd line type ruby direction.rb (NO SUDO)
-Enjoy!
Ramon <ramon.brooker[at]aetherealmind[dot]com>