I imagine there can be quite a bit of overlap - but for most spirituality is a personal exploration while philosophy tries to be more universal. So while Philosophy would explore "What is the meaning of Life", Spirituality would explore "What is MY meaning of Life". The answers ultimately come from within. I'd be curious what other perspectives are, though. 

It's different for everyone - but it often has to do with unlearning what is getting in the way of peace and happiness. Most of us have settled into routines that are safe and comfortable, but that don't actually provide what we want out of life. Breaking these habits takes courage and vulnerability - it's a heroic journey. To those who have made the journey, the benefits are obvious - but we often forget the discomfort we had to go through. Here's a valuable tip from Harry Palmer - "If I want to feel good, all I have to do is be kind."