It's possible that it might be a little bit harder for you to get your first permanent job, but if you have a good resume and references, you will get one faster. After your first job, you will be back on equal ground. Some employers will look at temp as negative and others won't care. Depends on the person and the type of job you are applying for.
If the personal reasons include schooling or something you can list on a resume (self employment, etc), then your "gaps" won't appear so bad.
The concern on the mind of the HR director will be "Is this person a 'job-hopper' and will they leave this company soon after I hire them on?" Your job, in order to obtain a job, is to prevent that question from being a major pitfall. Focus on your accomplishments and achievements. Look at everything you have done in a "professional" light to see a way of presenting it as an additional qualification.