You told it

With ActiveWorkbook.Worksheets("sheet1")
uname = .Range("B2").Value & " " & _
.Range("B3").Value
End With
ThisWorkbook.SaveAs ThisWorkbook.Name _
& " " & " " & uname & ".xls"
ActiveWorkbook.Close True
End Sub

?

Just save it as "Personal.xls"

In your XLStart folder

"C:\Documents and Settings\YourName\Application
Data\Microsoft\Excel\XLSTART\PERSONAL.XLS"