Personal.xls is loaded automatically from the xlStart folder, the
location of which will vary according to your operating system and
Office version. All you need to do is find that folder, and move
personal.xls out of it.
Are you sure that you found the right one? The location of the folder
has changed over the versions and some old directories could well have
been left behind if you upgraded.
Alternatively, check Tools -> Options -> General, and see whether
there's an alternative "At startup, open all files in..." directory.
If so, see whether the file is in that one.
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