List your accomplishments that you are proud of, the hard times you survived and moments you surprised yourself. You can be proud of helping someone who was in a hard time, things you have learned and completing projects in school or at work. List the things you do not feel good about and things about yourself that you wish would change and be specific as much as possible.
Ask yourself about how you got your habits and whether they are cultural or familial. If you say things that you regret later on, try to understand if it is your reaction to awkward situations, or it is a lack of tact you learnt from family.
If you spend too much money, try to know what triggers it, how it started and what you try to accomplish when you are spending. The more you understand about yourself, the more likely you can forgive yourself for your flaws and even change them.
Reframe your thoughts and see if these qualities (flaws) have positive sides; try to think about them in a positive way. If you consider yourself too emotional, remember that your strong empathy skills to comfort others are due to your emotionality, and it is why people seek you out for assistance and care.
Positive reframing will not change your qualities, but it can change your perspective to help you accept yourself. Treat yourself with respect and compassion. Accept compliments from others; when you reject a compliment, it means missing out the chance for a positive affirmation for yourself and a positive connection with another.
When you are feeling down on yourself, ask someone you love to tell you things they like about you, then go ahead and return the compliment. Finally, beware of cruelty that comes disguised as kindness like a friend who is always making fun of you or pointing out your shortcomings.