Think of talking to yourself as a tool to coach yourself through a challenge, or to narrate your own experiences to yourself. In any case, treat yourself with respect and you just may find you enjoy your own company.
When you don't love yourself, you're often harder on you than on others. When you goof up, it's good to think about how you'd reassure a friend who's done what you did. You'd be kind, wouldn't you? Well do that for you, too!
Your negative soundtracks have likely been playing for many years. It doesn't help that we are surrounded by a culture that supports negative self-talk so this will be an ongoing practice. The way we talk to ourselves is a habit that can be changed with awareness and willingness.
The choice is always yours -- you can keep listening to the Self-Talk cautioning you against pursuing what matters most or you can listen to your Soul-Talk reminding that you already possess that which you seek.