Koufuku Graffiti [3] running out, habit etc

正月（しょうがつ）the first month of the year (January), but apparently it also refers to the period when people celebrate New Year (New Years' day)

借り（かり）debt, owe (as in owing someone), favor (as in return the favor)

切れる（きれる）this intransitive verb means to break, but in contexts such as おミソ切れてる, it means to run out. In this case, it's 'running out of miso' (i.e., not totally run out yet but almost)

煮込み（にこみ）stew

ひとり言（ひとりごと）speaking to oneself
癖（くせ）habit

ひとり言の癖付いちゃいます means 'I'm getting the habit of speaking to myself' (lit. the habit is 'sticking' to me). I think 私に is being omitted/implied in this sentence.

Speaking of 癖, 寝癖（ねぐせ）means bed hair. The sentence is also similar; 寝癖がついてる means 'I'm having bed hair' (つく is probably the same as 付く, but in this case, only the hiragana is used).