Personal Development to a person is similar to a business plan formulated for a successful business. The personal development plan should include all your attitudes, skills, behaviors, habits and whatever that is required to enhance the quality of your life as a whole. This plan could be used as the road map to achieve your goals in life.
Most of the time there are 3 areas in a person's life that needs to be improved. Those areas are the health, finance and relationships of a person. All other sub goals would fall under one of these three categories. A person cannot improve what he or she is, in the real sense of the term. God or the Universe has created all beings equally. He or she is complete and whole at all times in God's eye. Most of the time the problem is actually a one of low self esteem. A person with a low self esteem would have bad finances, problem in relationships and neglected health.
Healthy eating and exercising habits would not be followed by a person with low self esteem. Since he or she is having a bad impression about himself or herself, they would actually self sabotage successful relationship opportunities. Likewise the low self esteem or low confidence would keep them from trying for promotions or new business opportunities. Keep aside new business opportunities; they wouldn't even think of doing a business on their own in the first place.
The most important thing is to first accept yourself fully and completely, just the way you are. If you don't accept yourself first, you wouldn't be able to improve anything in your life. If you resist some quality of yours, it would persist, until you accept that quality first.
If you want to change something in your life, first accept that you have that quality. Otherwise it wouldn't be possible to change it. Most people fail in personal development because they keep on hating and resisting a bad quality of theirs and try to impose a good quality over the bad one. It is not going to work this way. Even if this sounds like a paradox; whatever you resist about yourself would persist until you accept that quality fully and completely. Once you accept it, it will lose its power over you. Then you can develop the new quality.
Once you deal with the low self esteem issue, it would be easier for you to improve your quality of life in an overall manner. Then you would be able to set goals in the health, finance and relationship categories and achieve them with much ease. Your personal development goals would come to pass effortlessly, when you are completely clear on any low self esteem and low self confidence issues in your life.
Personal development is very important to a person to set goals and achieve them easily in their lives. It is like a GPS always directing you towards your goals in life.