1992 Ford Tempo headlights

Ok, I drive to the store and all my lights work. I come out to get in my car and drive home, all the lights work except the headlights. I bump around the fuse box, nothing. It's cold and i'm cranky so I just give the fuse box a tap with my foot. Light! This was 3 weeks ago. Again today I leave work and stop for a bite to eat. I come out and no headlights. All other lights work including the high beams (just this time no hi beam indicator shows up on the dashboard pannel) Is this a simple fuse problem or something more and can I do it myself?

Thanks