I created a Personal.xls for myself long ago, but I renamed it. So I guess technically I do not use Personal.xls ...
Keyboard shortcuts are in there, some menu items, various routines for dealing with imported data - stuff I do daily/weekly - sorting, stripping, cleaning. Otherwise, I tend to create macro workbooks for specific tasks that may come up, but less frequently. One button on my toolbar just for getting rid of wrapped text when exporting from Access (Joe4, saw you have one for Access too). Coffee Mug. I don't remember the piggy bank? How did I miss it. Can't bring myself to put a smiley face up there ...