A personal philosophy is your thoughts, beliefs, concepts, and attitudes about everything. ... These can be incorporated into your personal philosophy but the core ideas really should be your own. . We all need personal philosophy in life or we risk wandering, and responding to random stimuli and information with little or no impact on our long-term goals. A philosophy of life is an overall vision or attitude toward life and the purpose of it. ... Without apersonal philosophy, we end up living without direction.