OK - I figured out what's going on, I think. First of all the line that
says
ActiveWorkbook.SaveAs ThisWorkbook.Name - the ThisWorkbook part was
the reason it was saving with the words Personal.xls at the beginning.

And the reason it's isn't saving all the workbooks is because it's a
text file that is just dropped in an Excel doc so it has to be properly
saved as an XLS FIRST, then the macro can add the sheets and then it
will save the whole thing. Thanks for you help guys