First off, congratulations! :)
As for the electric, I have no idea...Since our electric comes as one bill for the entire house, there's no really good way form me to itemize. But, I do know that a small heater for a small bowl is going to be low wattage, which shouldn't raise your electric costs much.
As for heaters, I'd get one of those little 15$ tetra ones from walmart. They're not great because they don't adjust, but they do a decent job, and they're low watt. :)
As for lighting, just get a desk lamp with a bendable arm on it. Just bend it so that it shines directly over your tank, and you're good to go. :) Just use a regular 60watt equivalent CFL bulb (one of those fluorescent twisty energy saving ones, they use like 2$ a year or something like that to use, and they last forever, lol!) and you'll have plenty of light and heat for cheap. :)
(just get whatever is the best deal, it needs to be at least 60w equivalent (usually around 13w), but the package will say that right on the front. I usually get the multipacks of them, just plain household, because I use them in most of my light fixtures, not just the tanks. :)