If you have trouble getting the personal dictionary to load, make sure your dictionary is at the Document root level. Sub folder dictionary files seem to have an issue loading.
<?php
$file = $_SERVER["DOCUMENT_ROOT"] . "/test/personal_dictionary.txt"; //Has issues loading
$file = $_SERVER["DOCUMENT_ROOT"] . "/personal_dictionary.txt"; //Loads correctly
$pspell_config = pspell_config_create("en");
pspell_config_personal($pspell_config,$file);
$pspell_link = pspell_new_config($pspell_config);
?>