Dear GhanaWeb: My wife's kid sister is blackmailing me after we slept together

Dear GhanaWeb,
I made a terrible mistake with my wife's younger sister, and now I'm afraid she could destroy my marriage.
What started as casual conversations on Snapchat has turned into a situation I never imagined I would find myself in.
My wife's younger sister has come to stay with us for the vacation. She is in JHS 3, so naturally, I see her as a young girl who should be treated like a younger sister.
However, the way she speaks sometimes makes her sound much older than her age.
I realised she had a Snapchat account, so I added her and she added me back. We started chatting, and she had no idea I was her sister's husband. Our conversations gradually moved to topics about sex, romance and kissing. At some point, I suggested that we meet, but she said she could not make it.
I eventually revealed my identity, and although she initially appeared shy, she quickly became comfortable chatting with me. I started having sexual thoughts about her despite knowing that she was my wife's younger sister and was still very young.
I eventually crossed the line last Tuesday when we slept together. She complained of some pain, although I later learnt that she had experienced sex before. Unfortunately, it did not end there. We have slept together twice more since then.
Things have now taken a different turn. Yesterday, she sent me a message on Snapchat demanding GH¢10,000, some personal items and a brand-new phone before she leaves our house. She threatened to tell my wife everything and show her our conversations if I failed to meet her demands.
I was shocked when I read the message. I never imagined that things would get to this point. I am particularly worried because she is my wife's direct younger sister, and any revelation could have serious consequences for my marriage and family.
What makes the situation even more complicated is that she has assured me that she is willing to continue the sexual relationship until school resumes and she returns home, provided I agree to her demands. She has also promised not to tell anyone as long as I give her what she wants.
But I am beginning to wonder whether this is just the beginning of a bigger problem. What if I give her the money and gifts and she comes back with another list? What guarantee do I have that she will keep her promise?
The truth is that I do not even have GH¢10,000 readily available. Raising that amount would be difficult for me, and I am not comfortable with the idea of being blackmailed into spending money to keep my secret.
I know I have made a terrible mistake, but I am now frightened by how much damage this could cause. I also know that continuing the affair would only make matters worse, yet I feel trapped by the situation I created.
How do I get myself out of this mess without destroying my marriage, and should I tell my wife the truth before her sister does? What do you suggest I do?
FG/EB
2027 Budget: GH¢600m allocated for construction of 10 regional stadia
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