The terms memoir and personal account are highly similar in meaning. A personal account is often about something that someone has observed or participated in, such as, my personal account of the fighting in Afghanistan. A memoir is always about the life of the person who wrote it. It is biographical writing. A personal account does not have to be strictly biographical - although it can be.
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A memoir is a specific type of personal account that focuses on a particular aspect of the author’s life or a specific period of time, often with a reflective or introspective tone. A personal account, on the other hand, is a broader term that can encompass various forms of autobiographical writing that may not follow a strictly chronological or thematic structure. The key similarity between the two is that they both involve the author recounting personal experiences and emotions.
A personal account can be about anything that the author has observed, whether or not he was directly involved. A memoir is usually an account of the important events in the author's life.