personal expense vs disbursal

personal expense and disbursal both are nouns.

Word	Noun	Adjective	Verb	Adverb
personal expense	Yes	No	No	No
disbursal	Yes	No	No	No

As nouns, disbursal is a hypernym of personal expense; that is, disbursal is a word with a broader meaning than personal expense:

personal expense: the cost of personal or family living
disbursal: amounts paid for goods and services that may be currently tax deductible (as opposed to capital expenditures)

Other hypernyms of personal expense include disbursement, expense.

personal expense (noun)	disbursal (noun)
the cost of personal or family living	the act of spending or disbursing money
	amounts paid for goods and services that may be currently tax deductible (as opposed to capital expenditures)