I note the chatter and thank it. Then say something like, "I choose this time for my meditation, please return when it is more appropriate. This meditation is the best thing I can do with my time, right now. I give myself permission to do this meditation." Then I return to my meditation, just as Gallen has suggested.
I don't always go through that little self speech. Only when I find I'm spending more time conscous of the chatter than my meditation. I only do it once.
I take this chatter problem, and others problems as things the universe is sending my way. They are learning opportunities specially designed for my needs. I feel gratitude towards them and love towards myself and the universe.
You are perfection.
Iam2 
