What is the best url structure for blog?
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I've always like the idea of the following format:
Domain.com/blog-name/category-name/headline-of-article
Note that this is slightly different from what you've setup, with categories in sub directories hanging off the domain name vs the blog sub directory.
Another consideration is the name of the blog. You might have a chance of ranking your blog page over time by adjusting the URL to /financial-planning-blog or similar (and incorporating keyword-rich text into this page). The caveat would be that setting up your URL structure like this may make some URLs long depending on the length of your blog headline.
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I have spoken with database-expert SEO guys who swear by:
domain/year/month/post-name
They say for some reason referencing the year first reduces the workload of the database, making your site faster, which we know is good.
On the other hand, I've always been partial to
domain/post-name because it makes each blog post url short, easy to remember if done well, and relevant to your business. I have found that having /category/ does nothing for SEO. I used to do this on a wedding photography blog and had domain/wedding-photography/post-name. When I changed to domain/post-name my SEO results shot up across the board. So I'm sure /category/ hurt more than helped.
I currently use domain/year/month/post-name but will be changing to domain/post-name for the future on all sites, I think.