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