How should I reference personal photographs using the APA Style rules?
If the personal photographs are yours, then you don't need permission to use the photograph. However, if you're using someone else's photograph, you'll need to obtain copyright permission to use the photograph, and that permission should be indicated in the figure caption. Since the sourcing information is provided in the caption, you don't need to also include a reference for the picture in your reference list. Format the photographs in your document using the APA rules for figures; see page 167 in the Publication Manual of the American Psychological Association (American Psychological Association, 2010) for a checklist.
American Psychological Association. (2010). Publication manual of the American Psychological Association (6th ed.). Washington, DC: Author.