One way is to change a windows setting.

In win98:
windows start button|settings|control panel|regional settings applet
Number tab|list separator (change to tilde)

Apply and do File|save as|CSV (comma separated)

Remember to change it back when you're done!

Or maybe you could write your own macro to do exactly what you want:

Here are three sites that you could steal some code from:

Earl Kiosterud's Text Write program:
www.smokeylake.com/excel
(or directly:  http://www.smokeylake.com/excel/Text%20Write%20Program.htm)

Chip Pearson's:
http://www.cpearson.com/excel/imptext.htm

J.E. McGimpsey's:
http://www.mcgimpsey.com/excel/textfiles.html

(You may be happy with Earl's version--right out of the box!)