procedure TForm1.StringGrid1DrawCell(Sender: TObject; ACol, ARow: Integer;
  Rect: TRect; State: TGridDrawState);
Var
  CrLfPos, PrevPos, i: Integer;
  SL: TStrings;
Begin
  With Sender As TStringGrid Do
  Begin
    If aCol < FixedCols Then Exit;
    If aRow < FixedRows Then Exit;
    PrevPos := 1;
    CrLfPos := PosEx(#13#10, Cells[aCol, aRow], PrevPos);
    If CrLfPos > 0 Then
    Begin
      SL := TStringList.Create;
      Try
        While CrLfPos > 0 Do
        Begin
          SL.Add(Copy(Cells[aCol, aRow], PrevPos, CrLfPos - PrevPos));
          PrevPos := CrLfPos + 2;
          CrLfPos := PosEx(#13#10, Cells[aCol, aRow], PrevPos);
        End;
        If SL.Count > 0 Then
          With Canvas Do
          Begin
            SL.Add(Copy(Cells[aCol, aRow], PrevPos, Length(Cells[aCol, aRow])));
            FillRect(Rect);
            For i := 0 To pred(SL.Count) Do
              TextOut(Rect.Left + 2, Rect.Top + 2 + ((-Font.Height + 2) * i), Sl[i]);
          End;
      Finally
        FreeAndNil(SL);
      End;
    End;
  End;
End;

procedure TForm1.SaveStringGridToFile(StringGrid: TStringGrid; const FileName: String);
var F: TStringList;
    i: Integer;
begin
  F := TStringList.Create;
  try
    F.Add(IntToStr(StringGrid.RowCount));
    F.Add(IntToStr(StringGrid.ColCount));
    for i := 0 to (StringGrid.RowCount - 1) do
      F.Add(StringGrid.Rows[i].CommaText);
    F.SaveToFile(FileName);
  finally
    F.Free;
  end;
end;

procedure TForm1.LoadStringGridFromFile(StringGrid: TStringGrid; const FileName: String);
var F: TStringList;
    i: Integer;
begin
  F := TStringList.Create;
  try
    F.LoadFromFile(FileName);
    StringGrid.RowCount := StrToInt(F[0]);
    StringGrid.ColCount := StrToInt(F[1]);
    for i := 0 to (StringGrid.RowCount - 1) do
      StringGrid.Rows[i].CommaText := F[i + 2];
  finally
    F.Free;
  end;
end;