Personal year is calculated by adding your day and month of birth to the current year, as follows: My birthday is April 13th, so I add 4 + 13 + 2015, or (4+1+3+2+0+1+5) = 16 and reduce again: 1+6 = 7. I am in a 7 personal year.
To explain the difference, let’s use a colorful metaphor: Shakespeare’s play Julius Caesar. Like a universal 8 year, it’s a very significant setting, with lots of drama. Each of us plays a different character within the larger plot (Brutus, Mark Antony, Cinna, etc.), thus representing our personal year within the universal. I might be the Soothsayer who tells Caesar to “Beware the Ides of March!”
Within the universal year, each month has its own energy. For example, June is a universal 5 month, because 6 (June) + 8 = 14, and 1+4 = 5. These are like Acts in Julius Caesar, which break up the play into smaller sections. June is Act 3, when Caesar is assassinated, and Brutus/Antony sway the crowd into chaos!
Within our personal year, we also go through smaller monthly cycles as well. To calculate any personal month, add the current month to your personal year. If I am in a personal 7 year, June (6) is a 4 personal month. My character is not in the mob scene above, because the Soothsayer only comes into Act 1…perhaps he’s at home, working in his garden? I guess we’ll never know.